Access information and advice about supporting an individual through a time of distress

Acknowledge that they are in distress is the first step. Simply try to get their mind off of what they're stressing about by talking to them or giving them an activity. important tips include listening carefully with sensitivity, be honest and direct, but not judgmental. 

Not all credit cards have an annual fee. you can expect an annual fee on most secured credit cards, some premium credit cards, charge cards, and subprime credit cards. the amount of the annual fee varies. it can be low as $19 or as high as $500, depending on the credit card.