If you've ever wondered whether there's any way to get a credit card company to waive its annual fee, there's no harm in asking. Call your card company, and explain that you'd like them to waive the fee and that if they won't, there are plenty of cards with no fee that you can switch to. With some companies, it'll work; with others, it won't.

Some card issuers have actually imposed annual fees on cardholders who pay off their bills in full each month, essentially penalizing them for not generating enough income from interest charges. Sheesh. If your card company is that obnoxious, tell them you'll take your business elsewhere unless they waive the fee -- and do so!

Learn more about credit cards at our nifty new Credit Center. You can even check out our Fool Credit Card there, too. (Of course, learn more, and shop around before selecting any new credit card.)

By the way, if you're struggling with credit card debt, as so many Americans are today, we're currently offering free access to our well-received Get Out of Debt online seminar. Scroll to the bottom of this page, and click on the link under "How-To Guide."