If you don't ask you'll never know

All my credit cards charge a yearly "subscription" fee. When I was in good standing with them I would ask them to reverse the charge and they would do it.

 

When I started missing payments and paying late, and the fee came again I was embarrased to ask them to reverse the charge thinking they would say "no, you have a bad record".

 

So I was paying my citybank credit card , which is on an payment schedule, and saw that I was charged $70 for the subscription fee. I decided to drop off the embarrasement and go into their customer service area and ask them to reverse it. The worst that could happen was they would say no.

 

Well, to my surprise the lady there reversed the charge without blinking.

 

I now hit my head on the wall because I should've asked Credomatic and HSBC to reverse the charges too. I think it's too late now. But next time those fees come back I will ask them to reverse it even if I've missed payments recently.

 

So my advice is, always ask. If you don't ask you'll never know.

 

There's no charge for asking, and there's no charge for this blog.