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(CNN Money) — What you’re mad about: A few credit card issuers have started levying annual fees on less active users to encourage them to spend. Citibank, for example, slaps a $60 fee on certain cardholders unless they charge $2,400 within a year. (Spokesman Samuel Wang blames it on the “increasing costs of doing business.”) And US Bank Visa Platinum dings you $40 if you don’t use your card during a 12-month period.

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