Last month I went to Smokies vacation with my friends and due to the sessions of planning and euphoria during and after the trip I missed paying my balance on my Chase Freedom credit card. I was lazy enough to realize it late and cognizant enough to make a prompt payment as soon I realize the miss. In all, I was late in payment by one week.
When I checked the statement yesterday there were $25 in late fee charge and $14 and some change in interest charge. I made up mind to call the Chase customer service and request for a waiver.
Today I picked up my iPhone, opened a new browser and in Google search window typed in chase customer service number, within a second google came up with the number and I tapped on the number, bang the call went. A few clicks after connecting to their voice response system, I reached one of the customer care professional, Ms. Elena Brown (if I got the name and spelling right).
I explained her the situation and requested if the charges can be waived. The response I received was “Thank you Mr. SB, I see that you are one of our best customers, I will go ahead and waive that fee“. In few seconds she replied that the late fee was waived, I requested for the interest charge waiver too, and after checking through the account details she realized that my payment, in full, was made. She then went ahead and removed the interest charge from my account.
I couldn’t thank her enough, said a sweet little “Thank you very much“, she did ask me to enroll in 5% cash back program on gas, which they are going to run in first quarter 2012. I was already enrolled in it.
The call lasted a little over three minutes. In all, the complete process took less than 4 minutes from the time I picked my phone and the call was finished.
Let me send a “Thank You” to Chase for their superior customer service through this blog, if they find it through twitter or by any other means.
Generally I don’t post on Tuesdays and never post an article of less than 600 words, but since this is so fresh in mind and so satisfied I am, I decided to put this down quickly. This story should inspire readers to do the following.
- Always be diligent in inspecting your monthly statements.
- Always pay your dues on time.
- If you think the fee assessed can be waived, do call the customer service and try your luck.
- Set up monthly automatic payments to be on safer side. (I had this setup earlier but broken now since Bank of America did lock my checking account for wrong reasons).
- Establish a superior payment history to get a superior treatment.
Let me reiterate my opinion, if you use credit card in a correct way, it is way better than using cash or debit cards. Didn’t I mention about that 5% cash back on gas?
Readers, did you ever try this kind of phone call to any credit card company? Did you fail or did you succeed? Do share your experience.
|Get my new posts directly in your email account or e-readers by subscribing to my RSS feed, I would appreciate if you can click the Google +1 button at the top?|