The average credit card late fee: $28

Past due stamped on envelope

That's what Consumer Action found when it studied the late fee terms for 83 credit cards from 20 banks, including cards from the 10 largest issuers.

The San Francisco-based advocacy group says the cost of missing the deadline on credit card payments is up only a little from $27.46 in 2005 -- the last time the study was done.

But late fees have more than doubled from $13 in 1995.

Consumer Action also found:

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