Money Talks News - Credit cards are certainly convenient and if you pay them off monthly, there's often no cost for that convenience.
But some plastic comes preloaded with fees. An annual fee. A fee if you use your card overseas. A fee if you go over the limit.
Same thing with bank accounts, tons of fees. What do you do? Well, you get them reversed.
You can do that with preparation. Have your paperwork handy.
Call early in the day because most people are friendlier and more patient before the day wears them down.
Also having the right attitude and not calling angry helps. A polite, professional approach will definitely help your case. Honey, not vinegar will normally be the most effective.
And it is OK to admit a mistake, like mailing in your payment late. But remind them how good of a customer you are and how infrequently those mistakes have happened.
Whenever you're dealing with anyone in customer service, write everything down. Every detail. Who you talked to, when you talked to them, and what was said.
It's important to be persistent. If you don't get what you want at first, try to go up the ladder to a supervisor. If that doesn't work, or you get a negative response, hang up, call back and try again with someone new.
These techniques may not work 100 percent of the time but they are effective. Credit.com did a survey a couple years ago and found that 44 percent of consumers could get at least one fee reversed.
With these tips and advice maybe you'll do even better. For more information and links head to the Money Talks News website and do a search for "Fees".