James
Staff member
So I have this old credit card account with a 29.90% APR (
), which I obviously NEVER use. And I don't want to close it because it's also my oldest active account (helps my credit score). But after I noticed that they charged me a $55 annual fee, I gave them a polite phone call to cancel it. After being transferred to an "account specialist" he asked what it would take to keep me there. 
Me - "It's simple really, permanently waive all annual fees."
Him - "Done"
Me - "Also credit this one back"
Him - "Done"
Me - "Oh and one more thing, also credit any previous annual fees I might of had"
Him - "Done, you'll get a credit on your next statement"
Me - "Sweeeeeeet"
Damn if I'd known that he was that easy I'd also asked for 0% interest for a year and then it goes up to prime +.5%. 
), which I obviously NEVER use. And I don't want to close it because it's also my oldest active account (helps my credit score). But after I noticed that they charged me a $55 annual fee, I gave them a polite phone call to cancel it. After being transferred to an "account specialist" he asked what it would take to keep me there. Me - "It's simple really, permanently waive all annual fees."
Him - "Done"
Me - "Also credit this one back"
Him - "Done"
Me - "Oh and one more thing, also credit any previous annual fees I might of had"
Him - "Done, you'll get a credit on your next statement"
Me - "Sweeeeeeet"
Damn if I'd known that he was that easy I'd also asked for 0% interest for a year and then it goes up to prime +.5%. 
That's simple, I'm just suprised they didn't bounce you around between "depts." until you gave in and hung up.
