Credit card holders are being overridden with fees such as transfer fees, membership fees, finance fees, over-limit fees, cash advance fees, stop payment order fees, interchange fees and the list goes on and on. Now some credit card companies have resorted to socking consumers with fees for paying bills over the Internet or by phone, which is outrageous. As the number of fees that credit card customers are being charged increases to near astronomical levels, we must act to ensure that American consumers are not entrapped by their credit card companies.