Will many are dissuaded from asking to get out of a fee because they think it's hopeless; others may not ask because they don't even realize the fee is occurring. Consider it a casualty of an increasingly paperless world, and one where we're often signing up for free trials without paying much attention.
Ryan Sullivan, an attorney providing bankruptcy and consumer debt services, says that when reviewing a client's financial statements, it's not unusual to find a charge they weren't even aware of.
"There may be a Planet Fitness or Netflix membership they haven't used in years that is still taking from their accounts, or a free trial that expired and is now charging," said Sullivan.
"Technology has made it easier for us to be less cognizant of every little payment we're being charged," he added. "When reviewing a physical statement and writing out a check, you're more likely to notice what I call 'parasite charges'."
This could play a part in another of CreditCards.com findings: that boomers aged 53 to 62 had the most success in getting fees waived or reduced when compared to younger generations. Schulz points out that boomers have longer credit histories, and may be perceived as less risky than millennials who are just starting lines of credit, but Sullivan wonders if their old school habit of studying a paper statement isn't also helping them get a leg up.
"Boomers still get actual paper statements, having grown up in a time where you physically reviewed these things every month," said Sullivan. "They may be more aware of the fees they're being charged than millennials who simply get a pop-up on an app."
This article originally appeared on NBC News.