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so after news of the CLD from Bank of America, I advised my father to pick up some CL to replace it, he applied for Household which was a dreadful mistake but took the hit already so my as well make the best of it. $300 CL
After being transferred to an "account manager" she said there was nothing she could do about the $300 CL and the $59 annual fee and the conversation went like this:
"close the account please"
Household - Please hold, sir to keep you as a cardmember I can offer you $300 CLI now
"okay, how about the annual fee, I do not pay annual fees on any of my cards"
Sir that is to service your account and there is nothing I can do about that
"how about you split it, you pay half and I pay half"
Sorry sir but I can't
"close my account please I don't pay fees for such a small cl
sir please hold... okay I have gone ahead and issued you a credit for half the annual fee and increased your cl by $300.
"thank you, I will keep the card for now"
Great job!! I wish I would've thought about that when I got my card
@Creditaddict wrote:so after news of the CLD from Bank of America, I advised my father to pick up some CL to replace it, he applied for Household which was a dreadful mistake but took the hit already so my as well make the best of it. $300 CL
After being transferred to an "account manager" she said there was nothing she could do about the $300 CL and the $59 annual fee and the conversation went like this:
"close the account please"
Household - Please hold, sir to keep you as a cardmember I can offer you $300 CLI now
"okay, how about the annual fee, I do not pay annual fees on any of my cards"
Sir that is to service your account and there is nothing I can do about that
"how about you split it, you pay half and I pay half"
Sorry sir but I can't
"close my account please I don't pay fees for such a small cl
sir please hold... okay I have gone ahead and issued you a credit for half the annual fee and increased your cl by $300.
"thank you, I will keep the card for now"
What a coincident that I applied for the same card today and I was approved! CL: $300 with the $59 annual fee. I only applied because I received an email today from Orchard Bank offering me a credit card. I applied online (I’m an addict and I’m trying to recover) and got an approval after answering some security questions over the phone due to the FA. I know an approval is better than a denial, but for some reason, I have a salty taste in my mouth; CL $300 and $59 annual. Not much of a perk, right?
Should I wait to receive the card before asking for a CLI and an annual fee deduction, or should I just cancel? I’m a sucker for applying for new credit. *sigh*