11. Many of the lowest-rate cards , however, still have annual fees. 12. It reputedly sticks stubbornly to the rate card , but compensates with generous marketing deals. 13. Fortune-tellers would be required to post rate cards and a phone number for complaints. 14. It's getting so one can't tell the players apart without an advertising rate card . 15. But he confirmed that more than 90 percent of MBNA's customers hold fixed-rate cards . 16. _Don't count on a low-rate card giving you frequent flier miles or other rebates. 17. Many newspapers and magazines have their rate cards available online in a PDF format. 18. Some larger newspapers may have a rate card for a particular kind of advertisement. 19. It was in this period also that the ADG finalised rate cards for directors'fees. 20. _Don't apply for other credit cards in the months before applying for a low-rate card .