New York - The biggest months for adding and dropping credit cards are December and January, so now’s the time to make sure that $95 annual fee is really worth it.

Chances are, it’s not.

“Generally, for the average credit card holder, it is not likely they are going to use a card with a high annual fee enough to justify it,” said Matt Schulz, a credit card expert with Creditcards.com, which is owned by Bankrate.com.

Banks raked in $90.3 billion in credit card fees in 2014, according to Bankrate, and additional fee hikes last year by some companies mean that number is only going to grow. American Express raised the fee on its popular Premier Reward Gold Card and its co-branded credit card with Starwood Hotels from $65 to $95 last year, for example.... Read More: VIN