Asset Planning, Inc Blog

The latest from the team.
Font size: + –
  Print
1 minute reading time (165 words)

A Recent Survey Suggests You Can Save Money by Making One Simple Call

1572 Hits

Most people assume that things such as, annual fees, interest rates and late fees are non-negotiable when it comes to credit cards. A new survey from creditcards.com is showing us that this is not the case. In most circumstances all you have to do is call your credit card company and ask. The survey asked 952 American cardholders and the majority received what they asked for. The problem is that hardly anyone asks.

Here are the results from cardholders who asked:

  • 87 percent received a late payment fee waiver.
  • 69 percent got a lower interest rate.
  • 89 percent received a higher credit limit.
  • 82 percent had their annual fee waived or reduced.

If you are looking for ways to reduce or eliminate fees on your credit card it doesn’t hurt to call and ask. The worst they can say is no. This can save you lots of money in the long run, if you carry balances on your cards, so it’s definitely worth a call.

Tweet
Tags:
credit card company credit cards interest rates fees
×
Stay Informed

When you subscribe to the blog, we will send you an e-mail when there are new updates on the site so you wouldn't miss them.

YOLO
Congratulations Melani!

About the author

Erin Nelsen, CFP®

Erin Nelsen, CFP®

Call 714-827-5794  to make a free consulation with Erin 

Erin Nelsen, CFP® is a fee-only fiducary Financial Advisor that manages portfolios & conducts hourly financial planning for Asset Planning.  Erin holds the CERTIFIED FINANCIAL PLANNER ™ & Registered Investment Advisor Representative professional designations.  Erin has expertise in various financial planning areas such as investments, taxes, estate divisions, public and private pension options, Social Security, real estate, insurance analysis, recent widow planning, and many other complex financial issues that arise.  Erin has been with Asset Planning since April 2007. Erin is thankful to have found her perfect forever firm. Asset Planning holds a high standard of care for both its clients and staff, and everyone is truly valued as family. 

An Orange County native, Erin earned her Bachelor of Arts in Business Administration with a concentration in Finance from Cal State Fullerton. Erin completed the Personal Financial Program at CSUF. Erin is an active member of the Orange County Financial Planning Association and has been a volunteer teacher of personal finance to elementary kids through the community outreach program Junior Achievement. 

Erin Nelsen is a Fee-Only Financial Advisor and a member of NAPFA, the largest Fee-Only Network Financial Planners. Fee-Only means Erin is only compensated directly by her clients & does not sell products nor accept commissions for the investments she recommends. Erin is proud to have built her career solely on the independent Fee-Only side of the Wealth Management industry. Erin is among an elite group of Financial Advisors held to the Fiduciary Standard. As a Fiduciary, she is required to put a client's interest above her own. Ethical, appropriate, & skilled professional care is our solid promise to all clients. 

When Erin is not at the job she loves, she is busy tending to her garden, caring for her family, attending concerts, traveling, floating in her pool, or scouting out new restaurants to try with her husband/college sweetheart of 18 years. Erin's  household is blessed with a son, daughter (both in college), two  nephews (orphaned), a Sheltie dog, & two royal cats that rule her household. 

Author's recent posts
More posts from author

Related Posts

Search Blogs Module

Latest Blogs

Wait a minute, while we are rendering the calendar

Blog Categories

Uncategorized
Asset Planning News & Events
General Personal Finance
Financial Security
Retirement
Investing
Tax Planning
Widow & Estate Planning
Widow & Estate Planninng
Cash Management
rescue organizations driver license relief efforts Flexible Spending Account checklists cell phone carriers credit card company app retirement planning Open House identity thieves home break-ins assets January 10 operations manager tax records Puerto Rico vision screening clients show support tax deadline 20 year anniversary health care costs phishing scams Wells Fargo customers emergency folder information CFP ® retirement accounts Treasury Department president Trump Two-Step Verification borrowing money April 15 home car loans California Lions Friends web address pet supplies payments partner /owner Medicare question “ skimmer ”. vacation 4 pm -8pm debt disaster areas earnings fallout consumer spending 2018 IRA contributions identity theft chip-enabled EMV cards health care services stimulus package retirement portal Brexit vote card reader policy Affordable Care Act Economic Security September 30 2020. wells Fargo toilet paper paper records non-prescripstion sunglasses hurricane Dorian insurance policies team members National Ice Cream month Social Security Administration FEMA website integral member ID card student loans bottom line spam phone business hours Medicare tax deadlines credit freeze scams executive order Medicare plan family members donation items September 9 EEChecklist-Kits.pdf stockpilingchecklist.pdf years banking Notary Public IRS 2017 TD Ameritrade National LINC Conference CA FTB summer coronavirus self-help topics paperwork clutter birth certificates Retirement Contribution Limits earthquake app Independence Day VOIP landline phones April 11 home emergency preparedness kits June 29 Shred paperwork emergency kit home emergency kit pet contribution limit Roth IRA Supplemental Security Income privacy settings ice cream event trustee home mortgages Expired medications Ice Cream Social Orange County Superior Court email notifications D premiums stock pile spring cleaning February 14 illiegal robocallers estate water … Asset Planning cell phone provider Social Security CERTIFIED FINANCIAL PLANNER exam records Kiplinger Letter emergency kits DNA test kits Medicare Part B credit card fraud pet donation drive fun facts phone companies retirement plans insurance policy Erin Nelsen Part D premiums . Victor Dergunov Legal robocalls estate planning direction July 6 phishing sites July 3 rd pet industry gap insurance Fox News story phone Financial Planning Magazine COVID -19 virus 900 number news coverage life saver IRA accounts CARES Act Kraig Mathias tax season items Open Enrollment holidays approach Medicare Part B premiums July 4 people medications parking spots cell phones Amazon notary services drive /usb cell phone carriers offer April 18 2017. documents prescription eyeglasses Wells Fargo employees trust clients credit score official certification Coronavirus Aid estate planning Medicare Advantage Federal Trade Commission website ice cream interest padlock donation counts account numbers FSA credit cards fun atmosphere cell phone service provider home security company check lists offering insurance market turmoil September 8 IRS deadline July weekend investment statements TD Ameritrade privacy notices Healthcare Charles Schwab markets https ://seekingalpha pets house sitter jury duty Part B flash drive money opt-out clone counterfeits 2017 IRA contributions settlement options 70 1/2. information Facebook blog post tax filing deadlines text messages Labor Day Auto insurance tax returns client portal 2017 Equifax breach interest rates Orange County Joey Gonzales Facebook profile cell phone SIM swap scam 23 andme October 1 2020. asset Planning credit monitoring service memorial Day weekend https :// breach increase media accounts spread fees Mobile Banking Security Tips 401K