There are many credit card tips available out there that are truly useful, most essentially if you are first-time card holder. One of the best credit card tips you must keep in mind always is the annual fees. A lot of credit card companies charge a specific amount of annual fee on the credit cards. However, very few people that can get rid of such fee easily, most essentially when they have an excellent credit card rating. In which case, all you need to do is simply to give your company a call and ask to eliminate the fee. Tell them that you’re going to dump the credit card if they do not remove or reduce the fee. The best thing you can do is to talk with your credit card providers.