It should have taken five minutes. OK, maybe 10. I got my latest bill from Chase Credit Cards, and it included two things I'd never noticed before. One was a fee for $39, which was labeled my "Rewards Program Fee." I never knew Chase had a rewards program, much less one I paid a fee to participate in. I certainly don't remember signing up, or agreeing to another fee to encourage me to use their card.

There was also a "Flexible Rewards Summary," telling me that in ad ...

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