auto clubs - how to lower your rate?
OhioGuy
out of it - saved about $280 in towing costs during a trip across Canada,
got plenty of free maps, and also used the included Entertainment Book
discounts.
I've been thinking about renewing, but they upped the price $10 a year to
$69 from the $59 it costs the first year, evidently.
Now I try to get each dollar to stretch a little bit more, so I've been
trying to figure out how we can get the introductory rate every year. $10 a
year difference may not seem that important to some, but over 30 years it
would add up to $300. ($400 plus if you include the interest you could have
earned on that money during that time)
I thought about letting our coverage lapse, but unless you let it lapse by
a significant amount (say, 6 months), they probably will just automatically
renew you at the higher rate.
Anyone have experience with this? Perhaps I should just do a new
membership under my wife's name this year? Then I could do a "new"
membership under my name at the end of next year?
clams casino
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> I've been thinking about renewing, but they upped the price $10 a year to
>$69 from the $59 it costs the first year, evidently.
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Can't speak about the travel clubs, but we've done that for years on our
magazine subscriptions. They most always come back with a cheaper
offer once the subscription runs out.
We've probably had over a dozen "new" subscriptions of Southern Living,
amongst other magazines.
George Grapman
My renewals for US News dropped from $45 to $10 a year in less than
three months.
The NY Times regularly offers half price for three months before
reverting to full price. I always cancel after the three months and
usually about six weeks later they call or email offering the half price
again.
George Grapman
about to expire tell them you want a lower rate and/or no annual fee or
you will go elsewhere. Let the rep know that if you cancel the card and
the bank follows up to ask why you why you will tell them it was
because (name of rep) refused to accommodate you.
clams casino
I never expected such, but I let two credit cards expire this year
(needed to weed out a few, so I didn't call to verify the replacement
cards).
One offered me $25 and the other $100 if I would reconsider (both no
fee). I did, but after making a few required charges, they are now
sitting in a drawer.
I'll probably drop both next year.
George Grapman
The best credit card deal I ever got was from Bank of America. They
offered 1.9 percent for 6 months as long as there were no late payments
or over limit purchases. The small type included a note that payments
posted, not received but posted, after 2 p.m. would be credited the next
day.
I put the money that I would have spent on the purchases in a money
market went to branch to make the payments a few days in advance and on
the 6th month took funds from the money market and paid the card in
full. Never used it again.