It's unfortunate you were hit with a $90 bill. You're right, this was most likely an initial service fee of some kind ...

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards ...

The first step, consumer finance experts say, is to ask your card issuer to reduce the rate. And with average balances now $6,500, consider using your tax refund to put a dent in the debt.

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Freedom Debt Relief reports that negotiating credit card debt can lead to lower payments, waived fees, or partial forgiveness ...