This article will tell you how to get out of credit card debt without filing Bankruptcy. It will tell you the secret that the Credit Card Companies don't want you to know.(Copyright MMIX Jes)All rights reserved

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     The only way to deal with the Credit Card Companies is to STOP PAYING them. Then you get their attention. After three months of stop paying and numerous phone calls from them in which I kept telling them I do not have the money to make my payment I now am receiving all kinds of offers of cutting all my high interest rates, cutting all of my late charges that they put on me and overdue charges. Suddenly now the credit card companies want to work with me. While I was paying them they would not do anything to help me because it was not to their advantage to do it. In being a good customer with them I was their slave. By not paying them they will want to work with you.

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So you did everything you could, but you still got a fee. It happens and it isn't always your fault. Most bankers know this and are usually willing to help you provided it is not a regular habit. The following steps increase in importance the higher the amount you want refunded. Getting a $4 service fee refunded is a lot easier then getting $185 in OD fees refunded- for the third time this month.

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     Prepare. Make sure you know what happened before you go to the bank. The banker will want to know the details. Be sure you know whether you've received the fee in the past. Not being aware that you have been paying a monthly service charge for the last six months is not an excuse.

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