Did you know that it costs credit card issuers up to $200 to acquire a new customer? That means that you have a good bit of leverage when dealing with them. What with all the advertising, signup bonuses, etc. that it takes to land a new customer, they certainly don’t want to lose your business.
Miss a payment? Just give them a call and plead your case. Unless you’re chronically late, they’ll usually refund both the late fee and the finance charges.
Unhappy with your interest rate? Here again, you should give your issuer a call. Odds are they’ll be willing to work with you and reduce your rate to keep your business. After all, a better deal from a different issuer is always just around the corner.
The bottom line here is that the worst they can do is say no. You really have nothing to lose. So if you’re unhappy, salvation is (hopefully) just a phone call away.