Wow, thanks so much for all the replies, everyone! This is super helpful.
I think I’m gonna give it a shot and call tomorrow. I’ll try the whole "not sure if the fee is worth it" approach and see what happens.
Quick question though—do you think it’s better to call right after my annual fee posts, or wait a bit? I’ve seen mixed advice on that.
Also, thanks for the Doctor of Credit and Reddit suggestions—I’ll definitely check those out before I call. Fingers crossed I get a decent offer! 🙏
I think I’m gonna give it a shot and call tomorrow. I’ll try the whole "not sure if the fee is worth it" approach and see what happens.
Quick question though—do you think it’s better to call right after my annual fee posts, or wait a bit? I’ve seen mixed advice on that.
Also, thanks for the Doctor of Credit and Reddit suggestions—I’ll definitely check those out before I call. Fingers crossed I get a decent offer! 🙏