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Some of the charges for using a Citibank Citi card are the annual fee, interest fee, and a fee for overcharging the credit. An annual fee is a once-a-year fee for using Citicard services. An interest fee can be incurred for not paying off one's credit card balance each month. Citicards that are used to make payments that are past the established credit limit can incur a fee, as well.

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