[greedy4chips]

Last year I sent a letter to Citibank CEO Ken Stork requesting the additional $174 of rebates I had been told I would earn, but could not claim until this year due to their limit of $300 per year earned in rebates. I referred him to a previous call I had made to customer service so I would be perfectly clear on the rebates and how they worked.

Within 2 weeks I had a check for $174.

It never hurts to ask for anything from a credit card issuer. They spend millions every year recruiting new customers and if they have you as a customer already they will most definitely try to make you happy. But don't expect them to reverse late fees if you have been late 1 other time recently.

They will wave yearly fees, reverse late fees, and over the credit limit fees as well as process over the phone payments without a charge if you ask nicely.

Who says the big bad CC companies are so bad?