From the merely annoying to the budget-busters, here's what to watch out for in travel, banking, credit cards, real estate, investments and more.
28. Over-limit fee
Credit cards
28. Over-limit fee
What it is The charge for overdrawing your checking account or exceeding the limit on your credit card

What's so bad The fees are at an all-time high. Plus, the bank may let you overspend - and then sting you. Credit cards issuers say they approve transactions that exceed your limit as a "convenience." But, argues Ed Mierzwinski of the U.S. Public Interest Research Groups, "they should just raise your credit limit and charge interest."

Ouch! As much as $39 at many major banks

What you can do Request that ATM withdrawals, debit purchases or checks be approved only if you have enough money. Some banks, including HSBC, Wachovia and Washington Mutual, let you. Another safeguard is to link your checking account to a line of credit or savings account and raise your credit limit before a spending spree. Also, many banks will send you an e-mail alert or a text message if your balance runs low.

29. Same-day payment fee

What it is Your credit-card bill is due today. You never mailed it. Drat. But wait. You can go to the issuer's Web site and transfer money from your bank account. For a fee.

What's so bad You're paying on time!

Ouch! Washington Mutual collects $15.

What you can do Sign up for e-mail alerts if you tend to procrastinate. Or take your business to an issuer that doesn't charge for last-minute payments, like American Express, Capital One or Discover.

Air travel

Air travel

Air travel

Air travel

Air travel

Car rental

Car rental

Hotels

Phones

Shopping

Closing costs

Title insurance

Mortgage

ATMs

Checking

Deposit

Credit cards

Credit cards

Mutual funds

Annuities

Brokerage

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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.