Time to check your finances.
At their most basic level, credit cards make it easier to pay for purchases without having to carry around vast sums of cash. But besides the convenience, many memberships offer cardholders access to significant perks. Unfortunately, this is rarely offered for free and can sometimes stand as one of the top reasons to drop a card from your wallet."Many cards can charge an annual fee—especially those that offer rewards or other benefits," says.
However, canceling it outright may not be the best option in this scenario."You might be better served by calling the credit card issuer to request transferring your account to a free card that has fewer or no rewards or cash back," says
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