Credit card companies make billions each year in interest charges and other fees, but almost all of them can be avoided. We'll tell you how to stop paying unnecessary credit card fees on Faith and Finance. Interest, annual fees, late fees, cash advance fees, returned payment fees, and over the limit fees are all fees that can be avoided with a little planning and oversight. Proverbs 21:20 tells us, "Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it." With the right budgeting and financial planning, you can prevent these fees from devouring your treasure. On Faith and Finance, Rob also answers listener questions about the best strategies to pay off a mortgage early, dealing with a stolen credit card, when to keep money in a CD, and how to determine whether a lump sum or monthly payout from an annuity is best.