No Credit Needed reminds us that we can call the credit card company and ask them to do nice things for us, like:

If you have a high interest rate, you can ask them to charge you a lower rate…
If you have been charged a late fee, you can ask them to waive it…
If you are over your limit, you can ask them to increase it…
If you want to consolidate balances, you can ask them to waive balance transfer fees…

The credit card company is your VENDOR. You are their CLIENT. Let them know that you’re thinking of switching to a different credit card company, remain firm and polite, and start making your credit card work for you, instead of the other way around. If you’re the mousy type, the suggestions in “How To Mind Control Customer Service Reps” can help you bolster your courage.

Time To Call The Credit Card Company [No Credit Needed]
(Photo: Getty)

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