When to ask for retention offer?

[Anonymous]

Slightly before the AF hits?  Or slightly after?  Which is optimal?

Thanks.

[Loquat]

I've read that most seem to have success once the annual fee actually post. Kinda hard to haggle for something that you haven't been charged for yet.

[AverageJoesCredit]

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@Loquat wrote:
I've read that most seem to have success once the annual fee actually post. Kinda hard to haggle for something that you haven't been charged for yet.

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Or use

[Loquat]

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@AverageJoesCredit wrote:

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@Loquat wrote:
I've read that most seem to have success once the annual fee actually post. Kinda hard to haggle for something that you haven't been charged for yet.

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Or use

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@AverageJoesCredit +1 Exactly.  

[Anonymous]

In general, the best time to do it is when you are seriously considering closing the account and a retention offer is what will keep you from closing it.

If you get denied a retention offer and have no problem closing the account afterward, then you know it's the right time to go for it.