(Closed) PSA: Ask for what you want! (nwr: banks and credit card fees)

posted 7 years ago in Money
Post # 3
Member
5978 posts
Bee Keeper

I second that Corgi! I have a lot of my bills paid online. I like to actually get an email and pay them myself (I’m weird like that, I know, but I don’t like others taking things out of my bank account without me officially authorizing it first).

Well, they never sent me an email for my May car payment. So when June’s came around and I logged into my account, I was shocked to see that I owed a double car payment AND late fees! I was furious! I called b/c never in my life have I ever missed any payment, and not only did they remove the late fees, but they also removed it from my credit report. Score.

Post # 4
Member
593 posts
Busy bee
  • Wedding: May 2010

Nice PSA! You can also ask to lower your APR on credit cards too. Sort of like threatening Comcast you’ll switch to Verizon if they don’t do something for you…tell Discover you’re going to switch to a different card and they may lower your APR.

Post # 5
Hostess
13662 posts
Honey Beekeeper

Good to know. I’m sometimes afraid to ask for what I want!

Post # 6
Member
3126 posts
Sugar bee
  • Wedding: December 2009

Ha! Totally. Great message- I do the same thing – if you don’t ask, you don’t know! I ask a lot of questions at a lot of places. Example: I ended up saving thousands on my car because I went and picked it up myself (at cost, too) instead of working with a sheisty dealership in town selling the car quite higher than cost, and passing on their internal fees to customers. It took me what, an extra hour of my time and a few extra questions on the phone? I bought the car on a Saturday and picked it up that week – BADDA BING!

Post # 8
Member
593 posts
Busy bee
  • Wedding: May 2010

@CorgiTales 8% to 17.99%? Ouch! I would be so upset. I’m glad they backed down on that for you–completely unfair. I think some credit card companies are better to work with than others. If Bank of America manifested itself as a person, I would hunt said person down and kick his ass, for example.

Post # 9
Member
3126 posts
Sugar bee
  • Wedding: December 2009

@corgi and edina – That happened to me with my CC, too. 0% APR for one year, then it went to a normal rate (for me) of i think 5 or 6% then it went up to 18%. When i called, they said that I had the lowest available rate available to their customers now. I switched products to a different card after that.. But at least I tried!

Post # 11
Member
351 posts
Helper bee
  • Wedding: September 2010

EH. i have a beef with this conversation b/c for years i was the bank manager being screamed at on the other end of the phone numerous times a day for overdraft fees. it’s one thing if it was a mistake and you were a first time offender. it’s quite another if you are a habitual overdrafter and never kept track of your money!

ok end rant 🙂  it is true that sometimes banks have a refundable amount on your account depending on what type of customer you are. So, yes it doesn’t hurt to ask. However, if it was YOUR fault – don’t blame the employee 🙂

Post # 12
Member
593 posts
Busy bee
  • Wedding: May 2010

Oh shoot, I did misunderstand you! Whoops. That’s completely crazy that they’d want to lose someone who actually pays them in full every month. Right? Or are credit companies all backwards? I guess I can’t even pretend to understand how all of this stuff works.

My husband just got his lowered from 12% to 8% (lowest non-promotional APR they offered) a couple of months ago just by asking, but maybe treatment like that is rare.

Post # 14
Member
612 posts
Busy bee
  • Wedding: August 2010

Unless you happen to be dealing with HSBC Credit Services. They charged me late fees for something they never sent me a bill for (I bought something that apparently got charged on an in-store account that I had no idea existed). I argued, went up to the regional manager who said to me “Either pay us or we are sueing you. I don’t waste my time with deadbeats.” I was LIVID. I got some advice from my friendly neighborhood lawyer who said to pay as it would cost me thousands to keep arguing. When I went to pay, they returned my check saying I had to pay by phone. When I paid by phone, it was an extra $15 fee to pay by phone! So a $30 item ended up costing me $130. Thieves.

BEWARE THE EVIL THAT IS HSBC!!

 

EDIT: I applied for a Best Buy Reward Zone Mastercard. Apparently when you do that they give you the credit card and an in-store account. I forgot my card one day and the associate said “Oh no problem, just give me your phone number and I will charge your card for you.” I thought “Oh awesome!” bought my stuff and went on my way not even thinking about it. I pay off that Mastercard every month and use it for rewardzone cash (we watch tons of movies). So, three months later I get this bill threatening legal action for not paying. I was like “What? I just paid that card off!” When I called them to ask what was going on is when I found out about this phantom in-store account. I am STILL sore about it.

Post # 15
Member
5978 posts
Bee Keeper

@snuggielove: I agree that when there’s yelling involved, it’s very unfair to the employee; however, when it’s the company’s fault that the late fees were there (like in my case, they never sent me an invoice), I think that they should be able to waive those fees. I was sweet as pie to the rep who answered my call, and she was very nice back to me and understanding…especially since this was my first offense.  

Post # 16
Member
593 posts
Busy bee
  • Wedding: May 2010

@Snuggielove I work in Customer Service, believe me, I would never scream at someone over the phone. I just nicely ask to go up the chain if they can’t help me.

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