Hidden Charges You Pay Over and Over Again
4. Charges on foreign transactions
In case of foreign transactions, the foreign currency is converted into Indian rupee at a rate suggested by the network infrastructure provider (Visa/Master). Credit card issuers will charge a certain percentage of the transaction value subject to a minimum amount for example 3.5 Percent of the transaction subject to a minimum of 
250.
5. Charges on exceeding credit limit
Did you exceed your credit limit unknowingly? If so then your credit card company will charge an overdrawn fee. This fee charged is nothing but a certain percentage of the overdrawn amount subject to minimum and maximum amount like 5 Percent of the overdrawn limit. Some of the banks may levy a charge which is equivalent to the percentage of the amount overdrawn and there are others who impose a maximum of 10 percent fee. So, it is better to minimize your card usage when you have a fear that you are nearing your limit.
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