August 4th, 2010
This isn’t a crazy credit score repair scam or quick-fix scheme. Twitter, the micro-blogging phenomenon that just hit its 20 billionth tweet milestone, really can help you improve your credit health, as well as other aspects of your consumer and financial life.
The key is in knowing how to drink from the Tweet-stream and how to Tweet like you would want to be tweeted. Sound like a foreign language to you? Read ahead for some quick tips on turning Twitter into your 140 character personal finance tool.
September 16th, 2008
Recently, I got busy with work and forgot to pay my Discover card. They have great online access but somehow I locked myself out and it took me a few days to get it all sorted out. The result was that I got hit with a $39 late fee.
By all accounts, I deserved the late fee. But I also know that most companies will waive it to keep a customer happy. I figured it was worth the 3 minutes to write an email through the online customer service feature. I hate phone prompts and waiting.
Well one day later, I got my response back:
“Thank you for your message about the charges appearing on your Discover Card Account. I can certainly understand your concern with the fees that were assessed. Because you are a valued Cardmember, I will be happy to issue a credit for the Late Fee in the amount of $39.00.”
In case you were wondering, this is the Discover Open Road Card. I have good credit and I have never been late with Discover. I also want to praise them for not throwing me into penalty pricing. I don’t carry a balance but I would have been annoyed if they raise my rate, ’cause I was 4 days late.
Just goes to show that not all credit card companies are evil and by just asking, things can get resolved.