I always pay my ccs off in full each month. Last month, I thought I set up a scheduled payment for one of the cards, but I either forgot, or it didn't go through right. Whatever, the payment wasn't made by the due date. I made it the morning after. When I got my bill this month, they hit me with finance charges of $39.54. (No late fee, surprisingly). Anyway, I called up customer service and explained the situation. She told me she would give me a "one-time courtesy credit" and remove the charges on next month's statement. I was all set to pay them, but it's great that I didn't have to. All it took was a phone call.

There have been two other times when a call like this has done wonders. The first was calling Direct Tv a few months back (see previous post), the second was with this same cc, when they charged me the annual fee. (Does anybody pay an annual fee for a cc anymore?). They reversed that charge as well.

I'll keep my eyes open for other opportunities to save money with a phone call. If anyone has any others, I'd love to hear them!