Just to let the blog readers know, banks and credit card company’s sometimes will lie to you or the reps do not know their jobs or product lines. Also, one of the most important things we all must druminto our heads is: “If you do not like the answer you are getting, say thank you for now and call back and ask the next rep, and the next after that, if necessary!”
Case in point: I just got my fee for my Chase United Airlines card from last year’s 50k deal. I have not used the card much at all. I called and asked to get switched to a no-fee card or maybe to get some bonus miles to keep the card. I was told no such card exists and “no bonus miles for you. All we can do is close your account.” Now, what I should have done is say, “Thanks, I will think about it.” I did not do this and closed the account. Next, my wife called as she has the same card and fee as me. Guess what? There IS a no-fee Chase United card. She was assured there is NO credit pull for the change – all just internal bookkeeping at Chase. It was quick and the annual fee will be credited in about 30 days.
So please, remember to call two or three times if need be to make sure you get what you want, or at least be reasonably sure that the answer you get is the correct one.
If you can’t get the routing you want, they want to charge a funky fee, won’t check partner airlines, say you can’t have lounge access, breakfast is not included, you can’t go standby without a fee, whatever it is you want to be different, call and ask another agent.
Will it always work? Heck no. But if it was important enough for you to ask one time, isn’t it important enough for you to ask twice? Think of this scenario:
A room full of 18-20 year-old kids sitting at hundreds of computer screens taking phone calls all day. It is the first job for many. For some it is just that – a job. But for others it is a start of a career. They will answer your question differently and you may get different results. Some know the rules. Some don’t. Some care for the best interest of the customers. Some are just killing time on the job waiting for the bell to ring.
If your question is worth asking once, it should be worth asking twice. Try it. It may pay off for you.
This worked over and over again for those wanting to Bump the Bonus on the Platinum Card from American Express and the Premier Rewards Card. Many got an additional 100,000 Membership Rewards points.
$75 Gift Card for Weekend Stay
Here is a nice reader tip paying you $75 in a prepaid card. Thanks Kyle
Citi ThankYou® Premier Card
- Annual Fee: $95 fee waived for the first year
- Foreign Fees: No
- Card Type: Bank
- Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
- Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
- ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
- No foreign transaction fees on purchases
- Points do not expire and earn unlimited ThankYou Points
- Annual Fee: $95 (fee waived for the first 12 months)