{"id":3016,"date":"2012-09-23T22:37:04","date_gmt":"2012-09-24T04:37:04","guid":{"rendered":"https:\/\/worldwanderlusting.com\/?p=3016"},"modified":"2012-12-14T12:18:34","modified_gmt":"2012-12-14T19:18:34","slug":"avoid-credit-card-annual-fee","status":"publish","type":"post","link":"https:\/\/worldwanderlusting.com\/?p=3016","title":{"rendered":"How to Get More for Your Credit Card Annual Fee"},"content":{"rendered":"<p>Somehow it has been a year since my wife applied for the <a href=\"http:\/\/gdlckjoe.com\/clk.aspx?l=3133&amp;c=15031\">Starwood Preferred Guest\u00ae Credit Card from American Express.<\/a>\u00a0 My Google calendar reminded me it was time to for the credit card annual fee.<\/p>\n<p>I wanted to avoid paying the $65 annual fee for the card so I called American Express to see if they would waive my annual fee.<\/p>\n<p><a href=\"http:\/\/gdlckjoe.com\/clk.aspx?l=6511&amp;c=15031\"><br \/>\n<img decoding=\"async\" loading=\"lazy\" class=\"alignright\" style=\"border-style: initial; border-color: initial; border-width: 0px;\" alt=\"\" src=\"http:\/\/gdlckjoe.com\/imp.aspx?l=6511&amp;c=15031\" width=\"138\" height=\"89\" border=\"0\" \/><\/a>Here&#8217;s how the call went:<\/p>\n<p><strong>Me:<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 I would like to cancel this card please<br \/>\n<strong>CR Rep:<\/strong> Let me go over the wonderful features of this card.<br \/>\n<strong>Me:<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 (Thinking) I probably know more about this card than he does.<br \/>\n<strong>CR Rep:<\/strong>\u00a0Bla Bla Bla Review&#8230;.Are you still sure that you&#8217;d like to cancel the card?<br \/>\n<strong>Me:<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Yeah, I already have this card and don&#8217;t want to have to pay the annual fee on \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 my card and my wife&#8217;s card.<br \/>\n<strong>CR Rep:<\/strong> That is understandable. What if I were to entice you to keep the card by \u00a0 \u00a0offering 2000 Starpoints? Would that make you keep the card?<br \/>\n<strong>Me:<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Could you do 3000 points? That would get me one free night at a category 2 hotel.<br \/>\n<strong>CR Rep:<\/strong> I see you know quite a bit about the card. I&#8217;m sorry, 2000 is the best I can do.<br \/>\n<strong>Me:<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Alright. Let&#8217;s do it.<\/p>\n<p>I know that 2000 Starpoints isn&#8217;t super sexy, but it is better than nothing.<\/p>\n<p>I also remembered that the American Express Small Business Saturday is coming up again in November. \u00a0That means that I&#8217;ll get $25 back from them, so I see the 2000 Starpoints as worth more than $40, which made it worth it for me to keep the card for my wife.<\/p>\n<h2>A few tips to remember when it comes to credit card annual fees:<\/h2>\n<ul>\n<li>Mark your calendars right now for each of the cards that you have. \u00a0Make sure you plan on calling to cancel <strong>before the fee is due.<\/strong><\/li>\n<li>If you do plan on keeping the card, call anyway to see if they will give you any type of credit card maintenance bonus just like my wife got.<\/li>\n<li>Remember that your relationship with the credit card companies is important. \u00a0Don&#8217;t do anything that might them put a &#8220;black mark&#8221; on your account.<\/li>\n<li>You want to keep your &#8220;average length of credit history&#8221; as long as possible. \u00a0For this reason it might be worth keeping a credit card to make sure that your credit has a great foundation.<\/li>\n<\/ul>\n<p>What other credit card annual fee tips do you have? \u00a0What experiences have you had lately with your annual fees? \u00a0Share them in the comments.<\/p>\n<p><em>Get your own Starwood Preferred Guest Credit Card by American Express and score up to 25,000 Bonus Starpoints for your next vacation. Using our links help us to continue to provide you with this useful information.<\/em><\/p>\n<p><a href=\"http:\/\/beemrdwn.com\/clk.aspx?l=20193&amp;c=15031\"> <img decoding=\"async\" alt=\"\" src=\"http:\/\/beemrdwn.com\/imp.aspx?l=20193&amp;c=15031\" border=\"0\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Somehow it has been a year since my wife applied for the Starwood Preferred Guest\u00ae Credit Card from American Express.\u00a0 My Google calendar reminded me it was time to for the credit card annual fee. I wanted to avoid paying &hellip; <a href=\"https:\/\/worldwanderlusting.com\/?p=3016\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[5,11,12],"tags":[753,754,752,755,62],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p1DhXV-ME","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts\/3016"}],"collection":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3016"}],"version-history":[{"count":0,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=\/wp\/v2\/posts\/3016\/revisions"}],"wp:attachment":[{"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3016"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3016"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/worldwanderlusting.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3016"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}