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Wednesday, July 24, 2019   
 
Articles about "Negotiation"
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Capital One, and other, banks’ tactics that might shock you Capital One, and other, banks’ tactics that might shock you
by Scott Bilker
I called myself to try and keep the account open and, for the most part, the banks are not agreeing. They tell me that, "these decisions are in response to the current credit crisis." Gee, I'm thinking that, "huh, the banks blew it to the tune of $300 billion because of bad decision making and now, they're next move is to close the accounts of they're profitable, and potentially profitable customers." Yeah, that's a good move--duh! What are they thinking! Talk about cutting your nose off.
 
Rate jacked-up to 21.99 percent Rate jacked-up to 21.99 percent
by Scott Bilker
Last week my Bank of America American Express card took a major rate increase. I had a fixed 7.99% rate which I enjoyed for two years. I carried a high balance on this card because I purchased a nice motorcycle with it two years ago. My rate went from 7.99% up to 21.99%. No late payments to them or anybody else.
 
Paying back only 19 cents on the dollar Paying back only 19 cents on the dollar
by Scott Bilker
I’ve helped people do these negotiations and I’ve help teach other how to do it themselves. Nothing makes my day more than receiving the success stories of those that have read my book and saving a bundle on their own! This one is great…
 
3 Bank Deception Stories 3 Bank Deception Stories
by Scott Bilker
Below are three stories of bank deceptions submitted by email newsletter readers. Thanks to all for your feedback about my Chase story. However, keep in mind that we need to use the banks against each other. That means you don’t want to close your accounts. Transferring your balances is the best revenge!
 
Household Math™: Dollars Saved Per Hour Household Math™: Dollars Saved Per Hour
by Scott Bilker
Jack read Scott Bilker's book, Talk Your Way Out of Credit Card Debt and put the call strategies to use. He called his Citibank card and got a $49 annual fee waived! The call took 17 minutes. If Jack could get that result from all his calls, then how much could he save, on average, per hour from calling his credit card banks?
 
Getting Rid of Annual Fees Getting Rid of Annual Fees
by Scott Bilker
I'd like to get rid of the annual fee, so I tried calling them and asked them to waive it. I used your technique and said that I would cancel it if they did not, and they didn't budge. What do you think? Should I keep the card and pay the $60 per year? Should I cancel the card completely because I don't technically need it? Or should I ask them to give me a new card with no annual fee, which would retain the 28K in available credit, but which would remove my 18 year relationship with that account?
 
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