As we all know that credit cards do not come for free. Different types of credit cards are charged differently. There are various kinds of credit cards which charges different sort of fees. The following is the list of various fees available:

Annual Fee: It is a yearly charge that is imposed on a credit card holder. Cards like secured cards, charge cards, and sub prime credit cards have this fee structure. It usually varies from $25 to $300/year and is charged once a year.
Some credit cards waive the fee if you can make a certain amount of purchase.

Application Fee: You have to apply to get hold of this credit card. When you apply for a credit card, then you shall get an application form. Mostly secured credit cards have an application fee.

Cash Advance Fee: This is charged for making a cash advance. Those cards which permit you to withdraw cash advance charges this type of fees. It is actually 1-3% of the cash advance transactions.

Balance Transfer Fee: This is charged during a balance transfer. The cards which allow a transfer of balance have this fee. It generally ranges from 1-3%. It is charged on single transfer of balance.

There are quite a number of steps to prove a stolen identity. The first thing that you should do is to act smart rather than to react because everything has been stolen.

You must keep in mind that no further information is leaked out when you are in trouble. Another important step that you should do is to aware all the creditors, brokers and check bureaus, department stores and other institutions that are directly related to your credit balance or your credit payment.

You must make a note of all the essential passwords and change them as early as possible. This would enable you to make no further blunders, since your passwords are the key to all your lockers and drawers, it is essential to safeguard them against any ruinous effects.

You must also make a fraud alert on your credit report which would ensure your safety in further cases. The companies would receive your call alert at any time of the day, round the clock service is provided for the benefit of the customers. An initial alert may be given for a period of 90 days. In most of the cases, this has been found to be immensely helpful.