This is an unposted draft from a long ago. But I'll post it now. The advice has always relevance.
I don't have credit card debt and I only have two credit cards. One is a Chase Freedom card, and the other is my first credit card through my bank.
Since the bank credit card doesn't earn rewards as the Chase card does, I don't use it much. I'm not exactly someone who makes the banks a ton of money, but I still don't want to be charged needlessly either.
This year I hadn't used my bank card at all which meant I saw a $40 annual fee posted a couple of days ago. That fee is only charged if no purchases are made on the card throughout the year.
I was a bit annoyed that I'd forgotten to use the card this year and had actually paid the fee, ready to write off the $40 expense as "one of those stupid things you do."
Then, I thought, well, why not call up the bank's customer service and try to get it waived? If I'm completely in the wrong, I am loathe to beg, but even if you are in the wrong, they can only tell you "no." I figured my leg to stand on was that the year wasn't over yet so I made my case, calmly. And? A friendly customer service rep waived it, I made a small purchase, and all was mostly good again.
The moral of this story: And that's why you always ask! Companies do usually want to keep their customer's happy. Also, don't let banks pull one over one you!
You've probably guessed that this is coming, but here it is: this blog is no more. For those who are curious, I did get into graduate school—I got into th...