You Can Negotiate with Credit Card Companies.
Exercise Your Negotiation Power
Some people would never think of this, but you
can negotiate with your credit card companies
for a variety of things. If you have carried a
card for more than 6 months and paid on time,
customer service is usually willing to listen
- You can ask for a lower interest rate.
- You can ask for a higher credit limit.
- You can request they waive fees for a late
- You can request they waive an annual fee.
Generally all you have to do is ask nicely. If
they don’t respond to that you can always
tell them that ABC Bank made you a better offer
and that you will take your balance and go over
there. They like your money and if you are a good
customer they don’t want to lose you so
they will often do what they can to oblige.
Be polite, professional, courteous and friendly
and they will usually do just what you ask. Make
sure you make note of who you spoke to, at what
number and when, for future reference.