Comments on: Personal Finance: Eliminate Annual Fees on Credit Cards http://www.homeeverafter.com/personal-finance-eliminate-annual-fees-credit-cards/ Create Your American Dream Sun, 05 Feb 2012 07:10:10 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: sam http://www.homeeverafter.com/personal-finance-eliminate-annual-fees-credit-cards/comment-page-1/#comment-31656 sam Fri, 04 Feb 2011 15:39:00 +0000 http://homemakerbarbi.wordpress.com/2008/06/23/personal-finance-eliminate-annual-fees-on-credit-cards/#comment-31656 I had three different cards from C____ and I combined the three into one 3-4 years ago. After the combination I started getting charged an annual fee even though there was nothing in the paper work saying that would happen. The first 2-3 years the fee was refunded & I was told that if it was refunded five years in a row it'd be removed from the acct. Last year the fee was charged and I couldn't believe how i was treated. I was actually told I was lieing about ever having the annual fee refunded in the past! The guy told me to fax my old credit card statements. He said If I could prove he'd think about it - i faxed them twice & nothing ever happened. What really sucks is three months before that I had consolidated all my debt on to that card so I could accelerate paying it all down. My salary is low enough I can't get a card somewhere else with a limit that high.... I'm stuck paying a company I now deeply despise. Yes, I plan to never do business with that bank once they are paid off & I've also warned lots of people in my daily life about that bank. I had three different cards from C____ and I combined the three into one 3-4 years ago.
After the combination I started getting charged an annual fee even though there was nothing in the paper work saying that would happen. The first 2-3 years the fee was refunded & I was told that if it was refunded five years in a row it’d be removed from the acct.
Last year the fee was charged and I couldn’t believe how i was treated. I was actually told I was lieing about ever having the annual fee refunded in the past! The guy told me to fax my old credit card statements. He said If I could prove he’d think about it – i faxed them twice & nothing ever happened.

What really sucks is three months before that I had consolidated all my debt on to that card so I could accelerate paying it all down. My salary is low enough I can’t get a card somewhere else with a limit that high…. I’m stuck paying a company I now deeply despise. Yes, I plan to never do business with that bank once they are paid off & I’ve also warned lots of people in my daily life about that bank.

]]> By: Personal Trainer: Cooking for Nintendo DS | Personal Chef Atlanta http://www.homeeverafter.com/personal-finance-eliminate-annual-fees-credit-cards/comment-page-1/#comment-29564 Personal Trainer: Cooking for Nintendo DS | Personal Chef Atlanta Sat, 08 Jan 2011 12:46:18 +0000 http://homemakerbarbi.wordpress.com/2008/06/23/personal-finance-eliminate-annual-fees-on-credit-cards/#comment-29564 [...] Personal Finance: Eliminate Annual Fees on Credit C [...] [...] Personal Finance: Eliminate Annual Fees on Credit C [...]

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]]> By: Goal Setting: Setting Personal and Finance Goals for 2009 | Telling It Like It Is http://www.homeeverafter.com/personal-finance-eliminate-annual-fees-credit-cards/comment-page-1/#comment-667 Goal Setting: Setting Personal and Finance Goals for 2009 | Telling It Like It Is Sun, 25 Jan 2009 17:23:07 +0000 http://homemakerbarbi.wordpress.com/2008/06/23/personal-finance-eliminate-annual-fees-on-credit-cards/#comment-667 [...] Personal Finance: Eliminate Credit Card Annual Fees [...] [...] Personal Finance: Eliminate Credit Card Annual Fees [...]

]]> By: Home Ever After http://www.homeeverafter.com/personal-finance-eliminate-annual-fees-credit-cards/comment-page-/#comment-666 Home Ever After Mon, 19 Jan 2009 09:57:09 +0000 http://homemakerbarbi.wordpress.com/2008/06/23/personal-finance-eliminate-annual-fees-on-credit-cards/#comment-666 @Amanda: It's funny that you mention the credit card company being rude to you. I've had people tell me this same thing before, and I always have the same advice: Make a list of the companies with bad customer service, that have treated you poorly while you were carrying a balance, making sure to close out those accounts first and foremost once the balances are paid off. NEVER carry credit cards from banks that do not VALUE and RESPECT your business! You are their customer, and should be treated delicately. You can take your business elsewhere, and should. Motivation to get out of debt can come in all forms, wouldn't you say?! Thanks so much for sharing your experience! Barbi @Amanda:
It’s funny that you mention the credit card company being rude to you. I’ve had people tell me this same thing before, and I always have the same advice:
Make a list of the companies with bad customer service, that have treated you poorly while you were carrying a balance, making sure to close out those accounts first and foremost once the balances are paid off. NEVER carry credit cards from banks that do not VALUE and RESPECT your business! You are their customer, and should be treated delicately. You can take your business elsewhere, and should.

Motivation to get out of debt can come in all forms, wouldn’t you say?! Thanks so much for sharing your experience!

Barbi

]]> By: Amanda @ The Mom Crowd http://www.homeeverafter.com/personal-finance-eliminate-annual-fees-credit-cards/comment-page-1/#comment-668 Amanda @ The Mom Crowd Fri, 16 Jan 2009 21:24:02 +0000 http://homemakerbarbi.wordpress.com/2008/06/23/personal-finance-eliminate-annual-fees-on-credit-cards/#comment-668 I saw this post before, but thought I would comment when I glanced over again just now. I have called before to have my APR rates lowered when we were in the process of getting out of debt. I used many of the tactics listed here. One company was incredibly rude to me and it only made me more motivated to have credit cards out of my life! So just calling them is good motivation for getting out of debt. :) I saw this post before, but thought I would comment when I glanced over again just now. I have called before to have my APR rates lowered when we were in the process of getting out of debt. I used many of the tactics listed here. One company was incredibly rude to me and it only made me more motivated to have credit cards out of my life! So just calling them is good motivation for getting out of debt. :)

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