Just pick up the phone and call your credit card company!

As you might know, I am slowly getting my finances into order. I am slowly trimming the fat (canceled Netflix, Starlooks) and am looking to cut my credit card annual fee. Yes. I pay $19 (used to be $29 I think) per year to Wells Fargo in order to have cash back on my credit card purchases. Every bit counts so I called Wells Fargo with the intention of cancelling my rewards program.

Be nice! Remember, you catch bees with honey and not vinegar.

After 20 mins of phone wait, tag time, etc…… guess what? The Wells Fargo representative was able to transfer me to a FREE rewards program while keeping my current points.

Since I am on the phone, I asked for a lowering of my APR (currently at 12.65 which is pretty good). Unfortunately, the rep was unable to lower my APR. But she offered me 0% APR on purchases made in the next 6 months. Now I don’t know how often I will take advantage of that since I will be on Dave Ramsey’s cash system. But the point is…… YOU DON’T GET IF YOU DON’T ASK!

And if you don’t get anything, don’t be discouraged. Just pick up and call again. The next rep might be willing to go the mile for you. Again remember to be nice! The reps are humans doing their jobs just like you and me 🙂

* Just my experience