{"id":1412,"date":"2012-06-25T15:52:34","date_gmt":"2012-06-25T23:52:34","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1412"},"modified":"2012-06-20T17:57:45","modified_gmt":"2012-06-21T01:57:45","slug":"bad-fee","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/bad-fee\/","title":{"rendered":"\u5410\u304d\u6c17\u304c\u3057\u305d\u3046\u306a\u624b\u6570\u6599\uff01-\u3000\u95d8\u3046\u6d88\u8cbb\u8005"},"content":{"rendered":"<p>\u6700\u8fd1\u306f\u4f55\u306b\u3067\u3082\u300c\u624b\u6570\u6599\u300d\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u3053\u306e\u300c\u624b\u6570\u6599\u300d\u3063\u3066\u3001\u304f\u305b\u3082\u306e\u3067\u3059\u3088\u306d\u3002\u307b\u304a\u3063\u3066\u304a\u304f\u3068\u3001\u3042\u3063\u3061\u3067\u306f\u306a\u3093\u3061\u3083\u3089\u624b\u6570\u6599\u30fb\u30fb\u3053\u3063\u3061\u3067\u306f\u304b\u3093\u3061\u3083\u3089\u624b\u6570\u6599\u3067\u3001\u3069\u3093\u3069\u3093\u652f\u6255\u984d\u304c\u96ea\u30c0\u30eb\u30de\u30fb\u30fb\u3068\u3044\u3046\u3088\u3046\u306a\u5370\u8c61\u3092\u6301\u3063\u3066\u3044\u308b\u306e\u306f\u79c1\u3060\u3051\u3067\u3057\u3087\u3046\u304b\u3002\u3002\u79c1\u306b\u3068\u3063\u3066\u300c\u624b\u6570\u6599\u300d\u3068\u3044\u3046\u540d\u306e\u3082\u306e\u306f\u3001\u307e\u3055\u306b\u300c\u8981\u6ce8\u610f\u4eba\u7269\uff01\u300d\u306a\u306e\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u624b\u6570\u6599\u3068\u3044\u3046\u540d\u524d\u3067\u3042\u308c\u3070\u3001\u3042\u3068\u304b\u3089\u3069\u3093\u3069\u3093\u3044\u304f\u3064\u3082\u8ffd\u52a0\u6599\u91d1\u3092\u4ed8\u3051\u8db3\u305b\u308b\u3002<\/li>\n<li>\u624b\u6570\u6599\u306f\u30e1\u30a4\u30f3\u3078\u4ed8\u3051\u8db3\u3057\u306a\u306e\u3067\u3001\u3072\u3068\u3064\u3072\u3068\u3064\u306f\u3088\u304f\u3088\u304f\u541f\u5473\u3055\u308c\u306a\u3044\u3002<\/li>\n<li>\u624b\u6570\u6599\u306f\u30e1\u30a4\u30f3\u306e\u3082\u306e\u306e\u8cfc\u5165\u6c7a\u65ad\u304c\u3055\u308c\u305f\u3042\u3068\u306b\u660e\u3089\u304b\u306b\u3055\u308c\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u624b\u6570\u6599\u3092\u8acb\u6c42\u3055\u308c\u305f\u6642\u70b9\u3067\u306f\u3059\u3067\u306b\u9867\u5ba2\u306f\u56f2\u3044\u8fbc\u307e\u308c\u3066\u3044\u308b\uff08\u6255\u3046\u3057\u304b\u306a\u3044\uff09\u3002<\/li>\n<li>\u624b\u6570\u6599\u306f\u3042\u304b\u3089\u3058\u3081\u8868\u793a\u3055\u308c\u305a\u3001\u3042\u3068\u3067\u300c\u3053\u305d\u3063\u300d\u3068\u8ffd\u52a0\u3055\u308c\u308b\u306e\u3067\u3001\u6700\u7d42\u7684\u306b\u6255\u3046\u4ee3\u91d1\u306f\u5f53\u521d\u306e\u4e88\u60f3\u3088\u308a\u304b\u306a\u308a\u591a\u3044\u3082\u306e\u306b\u306a\u308b\u3002<\/li>\n<li>\u624b\u6570\u6599\u306f\u300c\u96a0\u3055\u308c\u3066\u300d\u3044\u308b\u5834\u5408\u3082\u3042\u308a\u3001\u6255\u3063\u3066\u3044\u308b\u3053\u3068\u3092\u300c\u77e5\u3089\u306a\u3044\u300d\u5834\u5408\u3082\u3042\u308b<\/li>\n<\/ul>\n<p>\u3046\u3093\u3056\u308a\u3059\u308b\u624b\u6570\u6599\u306f\u3053\u3093\u306a\u3082\u306e\u30fb\u30fb\u30fb<\/p>\n<h3>\u9280\u884c\u306e\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\uff1a<\/h3>\n<p>Paper Statement Fee\u3000($3\uff5e$5), Talking to Teller Fee(\u7a93\u53e3\u62c5\u5f53\u3092\u901a\u3057\u3066\u5f15\u304d\u304a\u308d\u3057\u3001\u30c7\u30dc\u30b8\u30c3\u30c8\u306a\u3069\u3067\u3002$3\uff5e$5)\u3002Minimum Balance Fee\uff08\u6b8b\u9ad8\u304c\u4e00\u5b9a\u4ee5\u4e0b\u306b\u306a\u3063\u305f\u3068\u304d\u304b\u304b\u308b\u3002$5\uff5e$10\uff09\u3002\u9280\u884c\u304c\u6614\u304b\u3089\u3084\u3063\u3066\u3044\u308b\u57fa\u672c\u696d\u52d9\u306b\u3001\u304a\u91d1\u3092\u3068\u308b\u306a\u3093\u3066\uff01<\/p>\n<h3>\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\uff1a<\/h3>\n<p>Late Payment Fee\u3000\uff08\u652f\u6255\u3044\u304c\u9045\u308c\u308b\u3068\u30fb\u30fb\u30fb\u6570\u5341\u30c9\u30eb\uff09\u3001Over-the-limit Fee\uff08\u30af\u30ec\u30b8\u30c3\u30c8\u9650\u5ea6\u3092\u8d85\u3048\u3066\u5229\u7528\u3059\u308b\u3068\u30fb\u30fb\u30fb\u6570\u5341\u30c9\u30eb\uff09\u3001ATM-Foreign Currency Fee\uff08\u5916\u56fd\u306eATM\u3067\u73fe\u91d1\u3092\u4e0b\u308d\u3059\u3068\u3001\u304a\u308d\u3057\u305f\u304a\u91d1\u306e\u6570\uff05\uff09\u3001Same Day Payment Fee\uff08\u652f\u6255\u3044\u671f\u65e5\u5f53\u65e5\u306b\u3001\u30ab\u30fc\u30c9\u4f1a\u793e\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u30fb\u30b5\u30a4\u30c8\u3067\u652f\u6255\u3044\u3092\u3059\u308b\u3068\u30fb\u30fb\u30fb$15\uff09<\/p>\n<h3>\u30db\u30c6\u30eb\u306e\u5bbf\u6cca\uff1a<\/h3>\n<p>Resort Fee(\u30d7\u30fc\u30eb\u3092\u4f7f\u3063\u305f\u3089\u30c1\u30e3\u30fc\u30b8\u3055\u308c\u308b\u5834\u5408\u304b\u3089\u3001\u305f\u3060\u6cca\u307e\u308b\u3060\u3051\u3067\u30c1\u30e3\u30fc\u30b8\u3055\u308c\u308b\u3082\u306e\u307e\u3067\u3002$10\uff5e$30)\u3001Internet Connection Fee ($9.95\u306a\u3069)\u3001Mini-bar Restocking Fee\uff08\u30df\u30cb\u30d0\u30fc\u304b\u3089\u6d88\u8cbb\u3057\u305f\u7269\u306e\u5024\u6bb5\u306b\u8ffd\u52a0\u3067\u304b\u304b\u308b\u5229\u7528\u6599\u3002$10\uff09\u3002\u30db\u30c6\u30eb\u3092\u9078\u629e\u3059\u308b\u6642\u70b9\u3067\u3001\u624b\u6570\u6599\u307e\u3067\u3088\u304f\u898b\u3066\u306a\u3044\u3068\u3001\u3042\u3068\u3067\u3042\u308c\uff1f\u306a\u3093\u3066\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3002<\/p>\n<h3>\u643a\u5e2f\u96fb\u8a71\uff1a<\/h3>\n<p>Carrier Cost Recovery Fee\uff08\u9577\u8ddd\u96e2\u96fb\u8a71\u3092\u304b\u3051\u308b\u3068\u8ffd\u52a0\u3067\u6570\u30c9\u30eb\uff09\u3001AT&amp;T Tax-related\u3000Surchage\uff08\u9577\u8ddd\u96e2\u96fb\u8a71\u6599\u306e0.7%\uff09\u3001MCI Property Tax Surchage\uff08\u9577\u8ddd\u96e2\u96fb\u8a71\u6599\u306e2.5%\uff09\u3002\u643a\u5e2f\u96fb\u8a71\u3063\u3066\uff11\u30e9\u30a4\u30f3\u3067\u3044\u304f\u3089\u3001\u30d5\u30a1\u30df\u30ea\u30fc\u30d7\u30e9\u30f3\u3067\u3044\u304f\u3089\u3068\u8868\u793a\u306f\u3055\u308c\u3066\u3044\u308b\u3051\u308c\u3069\u3001\u5b9f\u969b\u6255\u3046\u6708\u3005\u306e\u6599\u91d1\u3063\u3066\u305d\u306e\uff12\u500d\u3060\u3063\u305f\u308a\u3057\u307e\u3059\u3088\u306d\uff5e\u3002\u3002<\/p>\n<h3>\u30ae\u30d5\u30c8\u30fb\u30ab\u30fc\u30c9\uff1a<\/h3>\n<p>Activation Fee\uff08\u8cb7\u3063\u305f\u30ae\u30d5\u30c8\u30fb\u30ab\u30fc\u30c9\u3092activate\u3059\u308b\u3060\u3051\u3067\u30fb\u30fb\u30fb$4\uff5e$10\uff09\u3001Maintenance Fee\uff08\u4f7f\u3063\u3066\u3082\u4f7f\u308f\u306a\u304f\u3066\u3082\u304b\u304b\u308b\u6708\u984d\u6599\u91d1\u3002\u6570\u30c9\u30eb\uff09Dormancy Fee\uff08\u4f7f\u308f\u306a\u3044\u3068\u304b\u304b\u308b\u6708\u984d\u6599\u91d1\u3002\u6570\u30c9\u30eb\uff09\u3002\u60aa\u540d\u9ad8\u304d\u30ae\u30d5\u30c8\u30fb\u30ab\u30fc\u30c9\u306e\u624b\u6570\u6599\u3002\u4f7f\u308f\u306a\u3044\u3046\u3061\u306b\u6b8b\u9ad8\u304c\u3059\u3063\u304b\u308a\u306a\u304f\u306a\u3061\u3083\u3063\u305f\u3068\u3044\u3046\u30db\u30e9\u30fc\u30fb\u30b9\u30c8\u30ea\u30fc\u3082\u9650\u308a\u306a\u3057\u3002\u3002\u3002<\/p>\n<h3>\u30e2\u30fc\u30b2\u30fc\u30b8\u30fb\u30ed\u30fc\u30f3\uff1a<\/h3>\n<p>Processing Fee\u3001Document Preparation Fee\u3001Administrative Fee\u3001Messenger Fee\u3000\u3002\u3002\u3002\u3044\u308f\u3086\u308b\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u30fb\u30b3\u30b9\u30c8\u306b\u5165\u3063\u3066\u3044\u308b\u6599\u91d1\u3067\u3059\u3002\u30ed\u30fc\u30f3\u767a\u884c\u5143\u306b\u3088\u3063\u3066\u3044\u308d\u3093\u306a\u540d\u524d\u3067\u3044\u308d\u3093\u306a\u624b\u6570\u6599\u304c\u3042\u308b\u306e\u3067\u3001\u4f55\u306e\u305f\u3081\u306e\u624b\u6570\u6599\u306a\u3093\u3060\u304b\u306f\u4e00\u6982\u306b\u306f\u8a00\u3048\u306a\u3044\u307f\u305f\u3044\u3067\u3059\u3002\u3068\u306b\u304b\u304f\u306a\u3093\u304b\u540d\u524d\u3092\u3064\u3051\u3066\u304a\u91d1\u3068\u308d\u3046\u306a\u3093\u3066\u306e\u3082\u3042\u308b\u3088\u3046\u3067\u30fb\u30fb\u5bb6\u306e\u58f2\u308a\u624b\u3078\u306f\u30aa\u30d5\u30a1\u30fc\u3057\u3061\u3083\u3063\u3066\u308b\u3057\u3001\u671f\u9650\u5185\u306b\u30af\u30ed\u30fc\u30ba\u3057\u306a\u304d\u3083\u3044\u3051\u306a\u3044\u3057\u3001\u624b\u6570\u6599\u3092\u4e00\u3064\u4e00\u3064\u78ba\u8a8d\u3057\u3066\u541f\u5473\u3057\u3066\u3044\u308b\u3072\u307e\u304c\u306a\u3044\u3068\u3053\u308d\u306b\u3064\u3051\u8fbc\u307e\u308c\u3066\u3044\u308b\u3088\u3046\u306a\u3002\u3002\u30cf\u30c3\u30ad\u30ea\u8a00\u3063\u3066\u30b4\u30df\u306e\u3088\u3046\u306a\u624b\u6570\u6599\u304c\u591a\u3044\u3002\u4e8b\u5b9f\u3001\u30d0\u30d6\u30eb\u306e\u3053\u3068\u306f\u3054\u3061\u3083\u3089\u3054\u3061\u3083\u3089\u5b58\u5728\u3057\u305f\u624b\u6570\u6599\u3067\u3059\u304c\u3001\u30de\u30fc\u30b1\u30c3\u30c8\u304c\u8edf\u5316\u3057\u3066\u304b\u3089\u306f\u3001\u624b\u6570\u6599\u306a\u3057\u3084\u30cd\u30ac\u30c6\u30a3\u30d6\u624b\u6570\u6599\uff08\u624b\u6570\u6599\u3092\u6255\u3046\u304b\u308f\u308a\u306b\u3001\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u304c\u3082\u3089\u3048\u308b\uff09\u3068\u3044\u3088\u3046\u306a\u30ed\u30fc\u30f3\u3082\u3067\u3066\u304d\u307e\u3057\u305f\u3002\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u3068\u308c\u308b\u3068\u304d\u306b\u306f\u3067\u304d\u308b\u3060\u3051\u3068\u3063\u3066\u304a\u304d\u3001\u3068\u308c\u306a\u304f\u306a\u308c\u3070\u3068\u3089\u306a\u304f\u3066\u3082\u3044\u3044\u6599\u91d1\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u306d\u3047\u3002\u3002<\/p>\n<h3>\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\uff08\u6295\u8cc7\u4fe1\u8a17\uff09\u3001401(k)\u30a2\u30ab\u30a6\u30f3\u30c8\u3001529\u30a2\u30ab\u30a6\u30f3\u30c8\uff1a<\/h3>\n<p>\u6295\u8cc7\u3057\u3066\u3044\u308b\u5408\u8a08\u984d\u306b\u304b\u304b\u308b\u624b\u6570\u6599\u304c\u30010.25\uff05\u4ee5\u4e0b\u306a\u3089\u512a\u826f\u30010.40\uff5e0.50\uff05\u306a\u3089\u305d\u3053\u305d\u3053\u3002\u591a\u3044\u30681.50%\u304b\u30892.00%\u306a\u3093\u3066\u5834\u5408\u3082\u3002\u304a\u91d1\u3092\u8a17\u3057\u3066\u6295\u8cc7\u3057\u3066\u3082\u3089\u3063\u3066\u3044\u308b\u308f\u3051\u3067\u3001\u305d\u308c\u306b\u624b\u6570\u6599\u3092\u306f\u3089\u3046\u306e\u306f\u5f53\u7136\u3060\u3051\u3069\u3001\u9ad8\u3044\u624b\u6570\u6599\u306b\u307f\u3042\u3063\u305f\u5229\u70b9\u304c\u3042\u308b\u306e\u304b\u3092\u541f\u5473\u3059\u308b\u5fc5\u8981\u3042\u308a\u3002\u305d\u3046\u3067\u306a\u3044\u3068\u3001\u305f\u3060\u5229\u30b6\u30e4\u3092\u3068\u3089\u308c\u3066\u3001\u6295\u8cc7\u306f\u601d\u3046\u3088\u3046\u306b\u4f38\u3073\u306a\u3044\u3068\u3044\u3046\u7d50\u679c\u306b\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u30aa\u30f3\u30e9\u30a4\u30f3\u8f9e\u66f8\u3067\u300cFee\u300d\u306e\u610f\u5473\u3092\u8abf\u3079\u3066\u307f\u305f\u3089\u3070\u3001\u3053\u3046\u51fa\u3066\u304d\u307e\u3057\u305f\u3002<\/p>\n<p>\uff11\uff0e \u306a\u3093\u3089\u304b\u306e\u7279\u6a29\u306b\u5bfe\u3057\u3066\u30c1\u30e3\u30fc\u30b8\u3055\u308c\u308b\u56fa\u5b9a\u984d<\/p>\n<p>\uff12\uff0e 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of America\u304c\u8a66\u884c\u7684\u306b\u5b9f\u65bd\u3057\u305f\u30c7\u30d3\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u306b\u304b\u304b\u308b$5\u306eMonthly Fee\u3002\u9867\u5ba2\u304b\u3089\u306e\u6fc0\u6012\u3092\u53d7\u3051\u3066\u3001\u3059\u3050\u306b\u53d6\u308a\u3084\u3081\u307e\u3057\u305f\u3002\u305d\u3093\u306a\u306b\u7c21\u5358\u306b\u53d6\u308a\u3084\u3081\u3089\u308c\u308b\u624b\u6570\u6599\u306a\u3089\u3001\u6700\u521d\u304b\u3089\u5fb4\u53ce\u3059\u308b\u306a\uff01\u3068\u601d\u3044\u307e\u305b\u3093\u304b\u3002\u9867\u5ba2\u304c\u4f55\u3082\u8a00\u308f\u306a\u3044\u306a\u3089\u3068\u308d\u3046\u30fb\u30fb\u30fb\u3068\u3044\u3046\u3001\u3061\u3087\u3063\u3068\u6d88\u8cbb\u8005\u3092\u30d0\u30ab\u306b\u3057\u305f\u30d3\u30b8\u30cd\u30b9\u59ff\u52e2\u3060\u3068\u601d\u3044\u307e\u3059\uff01<\/p>\n<p>\u305d\u308c\u304b\u3089\u305d\u308c\u304b\u3089\u30fb\u30fb\u30fbVerizon\u306f\u3001\u9867\u5ba2\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u304b\u30c7\u30d3\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u3092\u4f7f\u3063\u3066Verizon\u306e\u30b5\u30a4\u30c8\u3067Bill\u3092\u652f\u6255\u3063\u305f\u5834\u5408\u3001Convenience Fee\u3068\u3057\u3066$2\u3092\u5fb4\u53ce\u3059\u308b\u3068\u767a\u8868\u3057\u3001\u3053\u308c\u307e\u305f\u3042\u307e\u308a\u306e\u30d6\u30fc\u30a4\u30f3\u30b0\u3092\u53d7\u3051\u4e2d\u6b62\u3057\u307e\u3057\u305f\u3002Convenience Fee\u3063\u3066\u3001convenient for whom? For Veriozn?<\/p>\n<p>&nbsp;<\/p>\n<h2>\u500b\u4eba\u7684\u306b\u300cNO\u300d\u3068\u3044\u3048\u3070\u8a31\u3057\u3066\u3082\u3089\u3048\u308b\u624b\u6570\u6599<\/h2>\n<p>\u500b\u4eba\u7684\u306a\u3053\u3068\u3067\u6050\u7e2e\u3067\u3059\u304c\u3001\u9577\u3089\u304f\u6301\u3063\u3066\u3044\u305fBank of America\u306e\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u3002\u3042\u308b\u6708\u3001\u3046\u3063\u304b\u308aMonthly Minimu 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Payment 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