15 most hated fees

Stand up to the pesky charges -- from checked-bag costs to retirement plan expenses -- that bug you the most.

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6. Paying to get credit rewards reinstated
What it costs: $

What you're mad about: Have a reward card? Some issuers have a creative new way of punishing you for paying late: They take away the points you earned in that billing cycle -- and make you fork over money to get them back. Diner's Club charges a $15 reinstatement fee; American Express, $29. Some other issuers, including Capital One, won't let you get your points back for any price.

How to fight back: Schedule automatic payments online for at least the minimum amount due, advises Arnold. That way you'll never be late.

NEXT: Forking over for your checking
Last updated June 11 2010: 3:40 PM ET
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