| 41. | Credit-card fees rose 33 percent from a year earlier, to $ 236 million, and as consumers carried ever-bigger balances.
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| 42. | Other changes in Citibank card fees will affect those who carry big balances, often for airline tickets or tours.
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| 43. | Because credit card fee structures are very complicated, smaller merchants are at a disadvantage to analyze and predict fees.
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| 44. | Card fees, which are largely attributed to the traditional charge cards, fell 2 . 6 percent to $ 403 million.
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| 45. | Other income, which includes credit card fees, rose 17 percent to C $ 246 million from C $ 211 million.
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| 46. | Fees for other financial services surged to $ 337 million from $ 294 million, mainly from higher credit card fees.
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| 47. | Veldhuizen said the paper needs to sell 364 online papers a month to break even on the credit card fees.
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| 48. | With interest rates and credit card fees on the rise, the full impact will probably hit in early 2005, he said.
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| 49. | The Charlotte, North Carolina, bank expects profits may decrease by $ 260 million through 2004 given the reduction in debit card fees.
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| 50. | Banks derive about 80 percent of revenues from credit card fees and interest earned on loans, not consumer banking fees, he said.
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