Summary
Here’s the 2011 fee schedule for First-Citizens Bank and Trust Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey.
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| 2011 Credit Card Fee Survey |
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| A year after the Credit CARD Act’s major provisions went into effect, predictions of an onslaught of fees haven’t come true. |
The CreditCards.com/Bankrate.com 2011 Credit Card Fee Survey tracks the fees charged for various card-related services by the 50 largest card-issuing banks and credit unions, based on their total volume of credit card lending. The 2011 survey looks at 66 cards, selected because they were among those most widely issued to consumers with average to good credit. The survey of card offers was conducted in May 2011.
Despite industry analysts’ predictions that the Credit CARD Act of 2009 would cause issuers to reinstate annual fees and introduce a host of new fees, that hasn’t happened. The survey shows the vast majority of cards reviewed (95 percent) had no annual fee and there hasn’t been an onslaught of new fees.
Here are the 2011 fees for the First-Citizens Bank and Trust Platinum card.
 First-Citizens B&T Platinum | |
|---|---|
 Annual fee | None |
 Over-limit fee | None |
 Late fee | $25 |
 Cash advance fee | 3% or $3, whichever is greater; $100 maximum |
 Balance transfer fee | None |
 Foreign transaction fee | 2% of each transaction in U.S. dollars |
 Returned payment fee | None |
 Stop payment on a convenience check fee | $32 |
 Statement copy fee | $5 |
 Overdraft fee | Not offered |
 Card replacement fee | None |
See related: 2011 credit card fee survey, Secured cards’ fees: Build credit, for a price, Chart: Find your card’s fees, Compare low-rate credit cards
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