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Dealing with Customer Service

 I was never taught how to deal with Customer Service.  Many people do not realize how much they can help you if you're nice to them and hurt you if you're not.

Ask if They Can Help You

I am always extremely nice and courteous to customer service over the phone. They have a very tough job because so many people yell at them and treat them horribly.  So many customers, especially of banks or credit cards, make a mistake but won't accept responsibility for their mistake. Many customers want to blame the bank for the missed payment.  My dog ate my statement so I didn’t pay my bill.


Being Nice and Asking if they can help you will often get you what you want. I have gotten missed payments removed, zero percent credit offers extended, and over limit fees eliminated by being nice.

Always Be Nice to Customer Service

My rule of thumb is always be extremely nice to customer service. They're just doing their job and it is a tough one. They can certainly help if you are nice to them.


Bad History can Hurt You

Many Customer Service systems make notes on your account. If you are particularly mean during an interaction they will note it on your account, you will have a Bad History in their system.


This Bad History may affect you in the future. The bank may not offer you special offers or increases in credit in your credit limit.


When they pull up your account the next time you call and they see the note that you were mean the last time you called they will be very unlikely to help. Be Nice.



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