All of the following actions lead to the payment of a credit card fee except:

• A. Making a late payment
• B. Paying the full balance by the due date
• C. Taking a cash advance
• D. Exceeding the credit limit

Answer: (B)

Verified step by step guidance

1. Understand the context of the problem: The question is asking which action does NOT lead to the payment of a credit card fee. This requires knowledge of common credit card fees and their triggers.
2. Review the options provided: (1) Making a late payment, (2) Paying the full balance by the due date, (3) Taking a cash advance, and (4) Exceeding the credit limit.
3. Analyze each option: Late payments typically incur a fee, cash advances often come with fees and higher interest rates, and exceeding the credit limit can result in an over-limit fee. Paying the full balance by the due date, however, avoids interest charges and fees.
4. Apply the concept of credit card fee avoidance: Paying the full balance by the due date is a responsible financial practice that prevents fees and interest charges, making it the correct answer.
5. Conclude the reasoning: The action that does not lead to a credit card fee is 'Paying the full balance by the due date,' as it aligns with the terms of most credit card agreements.