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Played hardball - and won

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    Played hardball - and won

    Recently I paid off a credit card which charged me an annual fee of $99, but the limit on that card was only $750.
    Called up the outfit to cancel the card.
    Them - but Sir, you were such a good customer, we would hate to lose you.
    Me - in the 4 years since I had the card the annual fee was always $99, and you only increased my limit twice, first time from $400 to $500, and the second time from $500 to $750.
    Them - stammering - but, but, but.
    Me - I'll keep your card IF you waive the annual fee and increase my limit to $2000.
    Them - Would you consider a limit of $1750?
    Me - Might, if you waive the annual fee. If you insist on an annual fee take the card and shove it where the sun don't shine.
    After a few more minutes of back and forth they agreed to the $1750 limit WITHOUT any annual fee.

    Never hurts to play hardball.

    #2
    Wow! Great negotiating! Now watch that they don't slip the fee to you anyway ...you know how honest cc companys are today!
    Filed CH 7 9/30/2008
    Discharged Jan 5, 2009! Closed Jan 18, 2009

    I am not an attorney. None of my advice is legal advice in any way..

    Comment


      #3
      "Mag" my man,,,,, what is the interest rate? If no yearly fee, watch them raise it. "Hub
      If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

      Comment


        #4
        Don't really care about the interest. I only use this card for small purchases, a gas fill up here, there, occasional fast food joint - and pay it off whenever the bill comes. So they're not making any interest off of me.

        Comment


          #5
          Originally posted by magyar123 View Post
          Don't really care about the interest. I only use this card for small purchases, a gas fill up here, there, occasional fast food joint - and pay it off whenever the bill comes. So they're not making any interest off of me.
          Way to go!!
          "To go bravely forward is to invite a miracle."

          "Worry is the darkroom where negatives are formed."

          Comment


            #6
            Originally posted by AngelinaCat View Post
            Way to go!!
            I'm sorry i'm still new to the board but.. is there an "angelinacathub" and "angelinacat"? lol. Sorry. I'm assuming husband and wife from hub if so?
            Filed Pro Se: 10/16/2009
            341 Scheduled: 11/23/2009
            Last Day for Objections: 1/22/2010
            Discharged: 1/28/2010

            Comment


              #7
              Originally posted by jribe View Post
              I'm sorry i'm still new to the board but.. is there an "angelinacathub" and "angelinacat"? lol. Sorry. I'm assuming husband and wife from hub if so?
              Yep. 'Hub
              If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

              Comment


                #8
                I asked HSBC to cancel the annual membership a few months ago.

                They said NO.

                I said Cancel.

                I no longer have the card.

                Comment

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