Most credit card fees and bank fees can be waived if you know how to deal with them. This includes overdraft fees and late fees.  With persistence and knowledge, eighty-five percent of all credit card fees can be waived. Banks and credit card lenders will not usually waive credit card fees associated with accounts that are sixty days or more past due on their payments, but in most other cases you can save money on your credit cards and bank cards by following these simple steps....