When I opened my line of credit, they charged me a 3%
transaction fee without informing me AND the documentation I had did not explain the fee. After I complained, they paid me back a portion of the fee.
In May, I made three big payments, so they lowered my June minimum payment to $15. But, of course, I paid more than $15. The way to beat the credit card companies is to pay them off and never borrow from them again!
In 2004 I paid off and canceled six credit cards of various types... And it feels great! Remember that the CC companies just want your money. They don't give a darn about you at all.
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