Today I was on the phone with Citibank about a $75 balance transfer fee on my credit card account. Never mind I failed to read the fine print (or was it there??). Caught by surprise, my first reaction was to C-A-L-L.

And that was the smartest thing I did. Actually, there’s one other smart thing I did. When they explained what the fee was for, I grew restless. Now it was war.

And a war easily won. I threatened to close my account. “I have another card that has a lower interest rate. I have no reason to stay with you.” I was then counter-offered with a lower interest rate. After explaining that because I paid the due balance in full monthly, the $75 fee alone was more than any interest I would accumulate at any rate (pun intended), I had delivered the final blow.

“For this time only, we will waive the $75 fee.” Victory.

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