Happy Discover was actually nice

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iVillage Member
Registered: 03-27-2003
Happy Discover was actually nice
3
Wed, 04-19-2006 - 10:15pm

I called discover about my dh's account (I'm not on it so had to fax them a POA) to find out what the REAL payoff amount was. They lady I talked to said that it was the amount that was shown on dh's statement. I asked her 'are you sure that's the right amount' and she said yes, so I was like 'there are no other finance charges on top of that' and she said NO. I told her I wanted to bring it to a 0 balance so wanted to make sure that was the remainder that needed to be paid. She said, "let me see if I can waive that", I was like 'ok'. And voila! She waived those finance charges so I don't have to send them a penny more!! Yeah! I'm so happy! I really hate giving these cc companys anymore money that absolutely necessary. So a victory for me (or us I should say)!

Oh, and I also called one of our other cards that dh and I are on to see about getting a lower rate. They said they didn't have any other offers so I mentioned that my dh was deployed and they said they can give us the deployment rate which is 4% for that card. I said GREAT!

So FINALLY we are making some real progress here!

Thanks for listening to my ramblings, I just had to share my good news!
Michelle


signature 2008

iVillage Member
Registered: 12-12-2004
Wed, 04-19-2006 - 10:17pm
Hi, Michelle--Wow, that's quite an accomplishment! Discover didnt budge for me--I guess it never hurts to ask, "what can you do for me, I've paid on time, etc.". Whiz.:)
iVillage Member
Registered: 03-27-2003
Thu, 04-20-2006 - 11:04am

That's terrific! Hurray! Now I know to call about having extra finance charges waived--maybe I'll do that instead of asking for the payoff amount!

I actually found Discover to be easy to deal with when we were having trouble. I just called them and told them dh was out of work and the rest of the sob story, and they put us on a six-month plan that lowered our minimum charge to $16 a month and our interest rate to something really low (don't remember what right now). After that, things went back to normal, but it gave us a break we needed to get things set right.

So Discover was actually one of the last cards I worked on paying off, because I didn't mind sending them my money so much since they had been nice to me even when I was in trouble.

Of course, now (four years later), everything that's left is on zero- or very low-interest cards, so it's all been transferred from original creditors at least once.

Great job, taking the initiative and getting that done. I'm glad the result was positive!

Heather

iVillage Member
Registered: 05-09-2005
Thu, 04-20-2006 - 2:28pm
Good for you -- you must have a pleasant manner on the phone so they responded nicely back to you. Great negotiating!!
Megan