Credit card companies need that valuation is trumped-up in a well timed fashion and Testament utilize hefty overdue fees when payments are not trumped-up by those deadlines. While it is no sweat to enigma a slow cost, it is appropriate ball-buster To possess those late fees waived. Whether you wish to be taken seriously, generate persuaded that the behind emolument you are disputing is a unusual circumstance (one or two annually).
Instructions
1. Impel the basis for the slow cost, if it was a bank wrong, personal wrong or other oppose beyond your direction.
The letter should state your contact information, your account number, the reason you are requesting a waiver, why you feel customer service did not do the right thing and who you spoke with as well as the date. Include all documentation including bank statements, canceled checks or other proof that the error was not your fault.
4. Explain the reason for the late payment and request a waiver. Be prepared to make a payment at this time if you haven't already done so (usually with a pay-by-check on the phone). When if doubt as to whether or not your reason will get a waiver, play dumb and say you sent it at least ten days prior.
5. Explain that you know the credit card company makes more off you than the total of the fee and that it would be easiest for everyone to keep the account where it is and waive the fee.
6. Keep language appropriate and don't belittle the customer service representative. He is not allowed to hang up, so the more you rant and rave, the more likely he is to do you a "favor" so he can get you off the phone.
7. Write a letter to the customer service address on the statement regarding why the payment was late and why you should be given a waiver, should a waiver not be granted over the phone.2. Compass any backup news you may call for for the motive the payment was late, such as bank records or online receipts.3. Call the customer service number on your statement and request to speak with a customer service representative.
