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how does joining a credit card counseling service that helps you lower and stop your credit card fees affect your credit once pay everything off?

Your credit will be affected negatively by entering into a credit card counseling service but not to the same degree as if you entered a debt settlement program. There will be record of the debt counseling assistance on your credit report but I would not let that bother you too much if the alternative is that you do not seek assistance and then you start to fall behind. As everyone knows, once you get behind, the fees and penalties add up quickly and your credit score will simultaneously deteriorate quickly. Seek help BEFORE that happens.

Your credit can always return to where you had it prior to entering a credit card counseling service, it just takes time. If you have a problem with debt, it will likely only get worse so stop the downward spiral now and seek out help. Thanks.