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luvsbob4603
To a healthy 2013
Member since 5/05 21840 total posts
Name:
To a brand new year to a healthier me
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credit card question (annualfee)
I was wondering if anyone pays a annual fee yearly for their credit card? I just canceled mine because i think its crazy that you have to pay to use a credit card i NEVER had to before so i told them i want to waive the $20 dollars and they wouldn't They lost a vauled customer here. If its to personal of a question you dont have to answer but i am curious if its normal to pay for a annual fee for one.Thanks!
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Posted 4/8/06 12:10 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
CookiePuss
Cake from Outer Space!
Member since 5/05 14007 total posts
Name:
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Re: credit card question (annualfee)
The only card, which really isn't a credit card, to charge a fee is American Express. I didn't think others did that anymore.
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| Posted 4/8/06 12:17 PM |
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JenniferEver
The Disney Lady
Member since 5/05 18163 total posts
Name:
Jennifer
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Re: credit card question (annualfee)
It depends on your credit. It seems to me that if you don't have great credit, you end up with a lot of offers for cards that have an annual fee.
The only card we pay a fee on is our AMEX, because we get skymilles and companion airfare with it. It was a heft fee (something like $85) but it was waived for the first year.
As for the regular Visa and MC that have fees, I usually try to stay away from them. I don't feel like I should pay a fee for paying them interest. Also, usually cards with fees have a period (30 or 90 days) in whcih you can canel and they will refund the fee. Did they refund the fee when you cancelled the card, Ro?
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| Posted 4/8/06 12:17 PM |
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luvsbob4603
To a healthy 2013
Member since 5/05 21840 total posts
Name:
To a brand new year to a healthier me
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Re: credit card question (annualfee)
I just cancelled it now so I am not sure if they will refund the fee! my husband saw me get aggravated when i told the guy i wanted to cancell it he would not take no for a answer and was trying to give me a nother deal i was like No so My Dh took the phone and said My wife said she wanted it waived and if you cant waive it than you lost a value customer. plus the card was under my maiden name so its good i got rid of it I will get one that does not give annual fees!thanks ladies!
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| Posted 4/8/06 12:23 PM |
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Re: credit card question (annualfee)
I don't pay any fees on my credit cards.
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| Posted 4/8/06 2:51 PM |
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Tah-wee-ZAH
Kisses
Member since 5/05 15952 total posts
Name:
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Re: credit card question (annualfee)
I have never paid an annual fee.
I never carry a balance.
All of my cards give me something back... cash, miles, etc.
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| Posted 4/8/06 3:44 PM |
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BabyAvocado
Happy New Year
Member since 5/05 17334 total posts
Name:
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Re: credit card question (annualfee)
I only pay a fee on my AMEX. But it's technically a charge card not a credit card.
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| Posted 4/8/06 3:46 PM |
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dpli
Daylight savings :)
Member since 5/05 13973 total posts
Name:
D
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Re: credit card question (annualfee)
I don't pay fees on any of my cards, including my American Express.
Often times, it depends on how good your credit is. If you have good credit, they will offer you a fee free card, or you can ask to have it waived.
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| Posted 4/8/06 5:05 PM |
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JodiBabe
Married for 9 yrs!!!!!!
Member since 5/05 6672 total posts
Name:
Jodi
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Re: credit card question (annualfee)
I have no fees on any of my cards including our card that we earn air miles on. My DH however, has 2 cards that we just talked about today in fact, that he gets fees on that he doesn't even use anymore and he is going to cancel them.
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| Posted 4/8/06 5:18 PM |
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BabyAvocado
Happy New Year
Member since 5/05 17334 total posts
Name:
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Re: credit card question (annualfee)
Posted by dpli
I don't pay fees on any of my cards, including my American Express.
Often times, it depends on how good your credit is. If you have good credit, they will offer you a fee free card, or you can ask to have it waived.
How were you able to not pay a fee on your Amex?
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| Posted 4/8/06 5:36 PM |
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dpli
Daylight savings :)
Member since 5/05 13973 total posts
Name:
D
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Re: credit card question (annualfee)
Posted by BabyAvocado
Posted by dpli
I don't pay fees on any of my cards, including my American Express.
Often times, it depends on how good your credit is. If you have good credit, they will offer you a fee free card, or you can ask to have it waived.
How were you able to not pay a fee on your Amex?
Well, it is a Costco rebate American Express - maybe that is why I don't pay the fee? Not sure, but I have no fee and I get a percentage of everything I spend in a rebate check that I can spend at Costco.
I also have kick-a$$ credit 
Message edited 4/8/2006 5:38:03 PM.
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| Posted 4/8/06 5:37 PM |
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Nik09
LIF Adult
Member since 5/05 1982 total posts
Name:
Nikole
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Re: credit card question (annualfee)
We pay an annual fee for our Amex card - we get reward points though. Our other cards don't charge us. Maybe you had a rewards card?
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| Posted 4/8/06 6:08 PM |
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MommyofG
just the girls
Member since 5/05 9461 total posts
Name:
Janice
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Re: credit card question (annualfee)
Just Amex on both the sky miles 85 and the other is 29 and my credit is good too in the 700's. I do not think they waive those fee's. I tried and they wouldnt budge.
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| Posted 4/8/06 8:02 PM |
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Palebride
I am an amazing bakist
Member since 5/05 13673 total posts
Name:
Lori
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Re: credit card question (annualfee)
My husband had no so great credit and opened a creit card about a year ago with an monthly fee of $3. He recently called them up to see if they could waive the fee, and since he'd been paying the bill on time for a year, they got rid of the fee. And they even credited us one month back.
If they're not willing to waive the fee for you - it's better that you cancelled the card! There are too many out there with no fees for you to have to pay for one!
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| Posted 4/8/06 10:58 PM |
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CathyB
Member since 5/05 19403 total posts
Name:
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Re: credit card question (annualfee)
Posted by BabyAvocado
Posted by dpli
I don't pay fees on any of my cards, including my American Express.
Often times, it depends on how good your credit is. If you have good credit, they will offer you a fee free card, or you can ask to have it waived.
How were you able to not pay a fee on your Amex?
Some of the Amex credit cards don't have an annual fee (my Hilton Honors card doesn't) but some do (like the Delta skymiles) and all of the charge cards do.
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| Posted 4/8/06 10:59 PM |
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mrswask
Pookie Love
Member since 5/05 20229 total posts
Name:
Michal
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Re: credit card question (annualfee)
My American Airlines Miles CC has an annual fee - always has.
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| Posted 4/8/06 11:20 PM |
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dandr10199
Grace is growing up too fast!
Member since 10/05 11561 total posts
Name:
Dina
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Re: credit card question (annualfee)
Posted by Tah-wee-ZAH
I have never paid an annual fee.
I never carry a balance.
All of my cards give me something back... cash, miles, etc.
Agreed. 
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| Posted 4/8/06 11:47 PM |
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BabyAvocado
Happy New Year
Member since 5/05 17334 total posts
Name:
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Re: credit card question (annualfee)
Posted by dpli
Posted by BabyAvocado
Posted by dpli
I don't pay fees on any of my cards, including my American Express.
Often times, it depends on how good your credit is. If you have good credit, they will offer you a fee free card, or you can ask to have it waived.
How were you able to not pay a fee on your Amex?
Well, it is a Costco rebate American Express - maybe that is why I don't pay the fee? Not sure, but I have no fee and I get a percentage of everything I spend in a rebate check that I can spend at Costco.
I also have kick-a$$ credit
Aaah..that must be it - the CostCo thing, which is pretty cool...my credit is very good too so maybe I should try and see if they'll waive the fee...
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| Posted 4/9/06 7:50 AM |
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Tanaholic
My Big Boy!
Member since 10/05 2383 total posts
Name:
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Re: credit card question (annualfee)
We do with our Amex. We have one with miles. The fee is small in comparison to all of the free flights we have gotten over the years.
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| Posted 4/9/06 8:16 AM |
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