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When I canceled though, they told me my account had a 0 charge. That came in handy when the customer service rep — though very polite — insisted she couldn’t really do anything to erase the charge. To that, I pulled out the notes I had taken the previous year and politely read them aloud to her.
As soon as I read them, a miraculous thing happened: She suddenly had the ability to waive the fee. All I had to do was meticulously detail our transactions the year before and explain to the company how they screwed up! Even though they told me that they wouldn’t charge me, THEY STILL DID IT ANYWAY.
Honestly, this step is because you can get your money back without having to interact with the merchant.
A while back, I decided to cancel my mobile plan with a certain nameless cell phone company. (Some cell phone companies make a lot of money from pulling shady moves like this, hoping customers get frustrated, give up, and just pay.) Secondly, ever since the same cell phone company tried ripping me off a few years before, I started keeping records of every single phone conversation I’d had with them (more on that later).After all, you might have a relationship with the merchant and you don’t want to ruin it due to an error on their part.Plus, if the erroneous charge is due to something like merchant or mathematical error, , you have “60 days after the first bill with the error was mailed to you” to notify your credit card company of the charge.” When I told them about my experience with the cell phone company, they instantly gave me a temporary credit for the amount and told me to mail in a form with my complaint, which I did.Two weeks later, the complaint was totally resolved in my favor. Because you need to know that your credit card company is on your side when it comes to disputes.