I'm new to Texas. Live in Denton. I was told I had to get a North Texas Tollway Authority tag because I'd use it so much. So I ponied up the $40.
I learned pretty early on that your Fort Worth/Dallas traffic is every bit as bad as LA, where I came from. So I have not used the tag and perhaps never will.
But every month $1.50 is deducted from my balance as a "statement fee." I've had all sorts of credit cards, tags, everything you can think of, but I've never been billed to receive my bill. It is very likely that I will use the entire $40 payment to pay the "statement fee."
Texas should be ashamed.