Credit Card Fees and interest rate charges

Credit Card Fees:  this is a diagram explaining the fees of credit cards.
credit card debt,annual fee,penalty fees,cash advance, Balance transfer and Purchase APR
flow diagram explaining Credit Card Fees.
The average interest rate on credit card lending is currently 18.24%. 
- Cards with an "annual fee" often offer more rewards and benefits, or a lower interest rate.
- The credit card issuer is unlikely to inform you if you are about to go over your credit limit when you 
 make a transaction.
-simply cutting up your credit card does not automatically cancel it. some credit card issuers will charge you a fee for an `inactive account`, If you no longer need your credit card, make sure you contact your card issuer to cancel it and keep a record of the cancellation.

info source: CreditAction,PDF , MoneyBasics.PDF                                                                     Credit cards - your rights - UK