Which of the following credit card fees is charged once a year just for having a card?

Question

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The annual fee is charged once a year just for the privilege of having a credit card. It is important to read the credit card terms and conditions to determine if an annual fee is charged, and if so, how much it is. A cash advance fee is charged when you withdraw cash using your credit card, a return item fee is charged when a payment is returned due to insufficient funds, and a balance transfer fee is charged when you transfer a balance from one credit card to another.

Which of the Following Credit Card Fees Is Charged Once