A “Sample Letter To Remove Credit Card Fee” is a request to your credit card company. You’re asking them to waive a fee. This could be an annual fee, a late fee, or an over-limit fee. People write these letters when they feel a fee is unfair.
Need to write such a letter? Don’t worry. We’ve got you covered.
This article provides sample letters. Use these templates to craft your own request. Make it easy to get that fee removed.
Sample Letter To Remove Credit Card Fee
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Your Email Address]
[Your Phone Number]
[Date]
[Credit Card Company Name]
[Credit Card Company Address]
[Credit Card Company City, State, Zip Code]
Subject: Request to Remove Credit Card Fee – Account Number [Your Account Number]
Dear [Credit Card Company Name] Customer Service,
I am writing to request the removal of a [Type of Fee, e.g., late fee, annual fee] charged to my credit card account, number [Your Account Number]. This fee of [Amount of Fee] appeared on my statement dated [Date of Statement].
[Choose ONE of the following options and adapt it to your situation:]
* **Option 1 (For Late Fees):** I usually pay my bill on time. However, [briefly explain why the payment was late, e.g., I was traveling, I had a family emergency, there was a processing error]. I value my relationship with [Credit Card Company Name] and would appreciate it if you could waive this late fee as a one-time courtesy.
* **Option 2 (For Annual Fees):** I have been a loyal customer for [Number] years and have always paid my bills responsibly. I am reconsidering keeping this card due to the annual fee. I would like to request that you waive the annual fee for this year. If this is not possible, I may have to close my account.
* **Option 3 (For Other Fees):** I am writing to dispute the [Type of Fee] because [Explain why you believe the fee is incorrect or should be waived]. I have attached [Mention any supporting documents, e.g., copies of receipts, screenshots].
I value my relationship with [Credit Card Company Name] and appreciate your consideration of my request. I look forward to your positive response.
Sincerely,
[Your Signature]
[Your Typed Name]
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How to Write Letter To Remove Credit Card Fee
Subject Line: Brevity is Key
- Be succinct. A clear subject line ensures your missive doesn’t get lost in the digital ether.
- Examples: “Request to Waive Annual Fee – [Your Name]” or “Inquiry Regarding Credit Card Fees – Account [Your Account Number]”.
- Avoid ambiguity; directness is your ally.
Salutation: Addressing the Right Person
- If possible, ascertain the name of the appropriate contact person. A personalized approach demonstrates diligence.
- If a name is unavailable, use “Dear Customer Service Department” or “To Whom It May Concern.”
- Maintain a professional tone; respect begets respect.
Introduction: Setting the Stage
- Clearly state your purpose. Begin by identifying yourself as a cardholder and specifying the fee in question.
- Include your account number for expedient retrieval of your information.
- Example: “I am writing to respectfully request a waiver for the annual fee of $[Amount] charged to my account, [Your Account Number].”
Body Paragraph 1: Articulating Your Value as a Customer
- Highlight your history as a responsible cardholder. Emphasize timely payments and long-standing loyalty.
- Quantify your relationship. How long have you been a customer? What is your average monthly spending?
- Example: “I have been a cardholder for [Number] years and have consistently made timely payments. My average monthly spending is approximately $[Amount].”
Body Paragraph 2: Proposing a Resolution
- Suggest alternative solutions. Are you amenable to downgrading to a card with a lower or no annual fee?
- Mention competitor offers. Have you received solicitations from other credit card companies offering similar benefits without the fee?
- Frame your request as a mutually beneficial arrangement, preserving their business.
Closing: Expressing Gratitude and Setting Expectations
- Reiterate your request politely. Express your hope for a favorable resolution.
- Thank the recipient for their time and consideration. Gratitude leaves a lasting impression.
- Example: “Thank you for considering my request. I appreciate your time and look forward to a positive resolution.”
Sign-off: Formalities Matter
- Use a professional closing such as “Sincerely,” or “Respectfully,” followed by your name.
- Include your contact information (phone number and email address) for easy follow-up.
- Proofread meticulously for any grammatical or spelling errors before dispatching your entreaty.
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Frequently Asked Questions: Removing Credit Card Fees
Navigating credit card fees can be complex. This FAQ section addresses common inquiries regarding requesting the removal of such fees and provides guidance on crafting effective communication.
How do I request a credit card fee waiver?
Contact your credit card issuer’s customer service department, either by phone or in writing. Explain the reason you believe the fee should be waived and highlight your positive account history.
What information should I include in my fee waiver request letter?
Clearly state your account number, the specific fee in question, the date it was charged, and a concise explanation of why you believe the fee is unwarranted. Reference your good standing as a customer.
What are the chances of getting a fee waived?
The likelihood of a fee waiver depends on various factors, including your payment history, overall relationship with the issuer, and the reason for the fee. Consistent on-time payments increase your chances.
How long does it take to get a response?
Response times vary by issuer. Typically, you can expect to hear back within 7-14 business days. Follow up if you haven’t received a response within that timeframe.
What if my request is denied?
If your initial request is denied, you can try escalating the issue to a supervisor or consider negotiating a payment plan or alternative arrangement with the credit card company.