As if interest alone weren’t enough to drive up credit card debt, here are four other “services” offered by banks as an add-on meant to protect you. As the following article points out, that these add ons can cost you as much as $50/month. My favorite was payment protection. Among the problems with this particular benefit was that it did not kick in for six months after a job loss. If you have been unemployed for six months or more, your credit card bills are not (and should not) be your top concern.
https://www.foxbusiness.com/personal-finance/2012/07/18/four-useless-or-costly-credit-card-add-ons/
The article offers some good suggestions to lessen the need for these additional services, even suggesting offline do-it-yourself ways that are free! Rather than throwing your hard-earned money towards these additional services, you could be using that money to pay down the principal on your credit card debt.