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

1558 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
health care services Wells Fargo customers spam phone phishing sites tax season October 1 2020. Retirement Contribution Limits coronavirus app Shred paperwork bottom line Expired medications assets investment statements interest rates spring cleaning July 6 2017 IRA contributions “ skimmer ”. Flexible Spending Account Notary Public relief efforts D premiums VOIP landline phones 23 andme Labor Day stock pile executive order July weekend 20 year anniversary wells Fargo Affordable Care Act phone companies news coverage cell phone service provider https :// birth certificates family members integral member scams asset Planning Part B Puerto Rico illiegal robocallers home security self-help topics rescue organizations trustee interest retirement planning Joey Gonzales CERTIFIED FINANCIAL PLANNER exam Orange County fun facts California Lions Friends home web address records Healthcare home mortgages July 4 media accounts items Brexit vote retirement Victor Dergunov Mobile Banking Security Tips client portal operations manager credit card fraud Kraig Mathias Wells Fargo employees Facebook profile offering insurance car loans official certification estate planning partner /owner credit card company Asset Planning CFP ® Medicare Advantage years retirement plans July 3 rd trust EEChecklist-Kits.pdf stockpilingchecklist.pdf clone counterfeits cell phone carriers flash drive insurance policies 2017 Equifax breach identity theft tax deadlines September 30 2020. Orange County Superior Court gap insurance notary services April 15 paperwork clutter account numbers emergency folder money Independence Day IRS deadline blog post opt-out vacation Kiplinger Letter June 29 70 1/2. settlement options breach policy president Trump credit cards 2018 IRA contributions ice cream event retirement accounts Medicare question emergency kit Amazon house sitter April 11 holidays approach disaster areas Treasury Department life saver TD Ameritrade cell phone carriers offer driver license Medicare payments phone information Facebook ice cream credit monitoring service tax filing deadlines phishing scams Legal robocalls parking spots tax records cell phone SIM swap scam pet supplies home emergency preparedness kits DNA test kits earthquake app team members pets consumer spending Open Enrollment Social Security Administration vision screening CA FTB ID card water … insurance policy increase pet industry April 18 2017. market turmoil banking padlock prescription eyeglasses 900 number Medicare Part B premiums 401K January 10 tax returns toilet paper home emergency kit chip-enabled EMV cards pet donation drive home break-ins September 9 Charles Schwab Part D premiums . FSA clients show support donation items IRA accounts student loans Two-Step Verification COVID -19 virus Social Security 2017 TD Ameritrade National LINC Conference email notifications Federal Trade Commission website donation counts stimulus package contribution limit cell phones check lists Roth IRA emergency kits documents estate planning direction company privacy notices pet borrowing money health care costs debt earnings fallout privacy settings cell phone provider checklists fun atmosphere estate spread Fox News story National Ice Cream month drive /usb summer Supplemental Security Income fees Coronavirus Aid IRS Medicare Part B text messages CARES Act card reader portal hurricane Dorian Ice Cream Social FEMA website Auto insurance jury duty February 14 paper records Open House Economic Security markets September 8 people medications clients credit score https ://seekingalpha identity thieves Medicare plan non-prescripstion sunglasses Erin Nelsen 4 pm -8pm memorial Day weekend business hours tax deadline Financial Planning Magazine information credit freeze