Two things less often known about CC issuers: 1) They’ll happily send a card to just about anywhere; a major use case is “I am traveling far from home and lost wallet so I need it tomorrow.” 2) CSR is no more than two clicks from waiving new card or shipping fee.https://twitter.com/jtwald/status/1094773769388711936 …
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If you’re on a premium product they probably won’t even ask you whether to waive it; if you’re on regular ones, all you have to do is say “It would be more convenient for me if you rushed that card.” and “Can you waive the fee?”
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Obviously I’m professionally biased on how awesome credit cards are these days but prior to that was a bit mind blown when BigBank said “Oh you’re in a small town in central Japan and have barely ever consumed credit? Then I guess we should get this to you via courier in 36hr.”
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(I politely disagree that issuers will put one through a ringer if you call to cancel a card. If you’re firm about desire then call center cost minimization kicks in and you’re done in maybe 5 minutes, most in queue.)
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I mean, even simpler than that: if you don’t use the product then you’re all downside. They want people who keep them top of wallet.
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