If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

You can open a credit line there and get an additional 5% off of your purchase.

You gave great info on background to help understand where you're at! 

Is it all on one level or a two story?

I would say C- and below you have to give on that more, but I would try to keep it at C on automatic.

This will cost you money on the back end.

Sounds I'm on the right direction. 

As I mentioned I finished my post graduate education 50 years ago, so my experience may not be so relevant in today's world, with so much of the information we received in college courses available on line for free.  

There’s growing talk about imposing tariffs on imported construction materials like steel, aluminum, and lumber.

Quote from @Solane Mesfin: I also tried to cancel free membership and unable to do that online.