I haven't experience all ten incidents fortunately, but I have been experienced excessive hidden fees.

Excessive or hidden fees are the worst payments in transaction . I have been paying for  multiple times in banks and when I purchase a lot of things, for example,  when we bought a car they told us about the price of the car and other things not about the HST, it was  approximately  more than $4000 bucks, I think, for me  the company  ripped us off.. The second one is about credit card payment, I had no idea about the yearly payment for the credit card itself, I was surprised when I learned that.