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As you’re examining the latest wave of transactions on your bank or credit card statement, you notice an unfamiliar fee. Should you just bite the bullet and pay it, or should you ask your financial institution to remove it?

The latter is the better choice. In fact, a survey conducted last year by Credit.com found that 44% of respondents were successful in getting a bank or credit card fee reversed because they asked or complained.

A Few Important Reminders

Before you reach out to your financial institution or credit card issuer, here are a few general tips to keep in mind:

Address the issue promptly. As soon as the fee posts to your account, that’s your cue to pick up the phone. “Generally, it’s much easier to get a fee waived shortly after it occurs,” Gerri Detweiler, Credit.com’s director of consumer education.

Be prepared. Jot down the exact fee you wish to be reversed, along with the posting date and your reasoning. You’ll also want to leave a place in your notes to document the representative’s name, as well as the date and time of your call and details of the discussion in the event that they don’t do what they agreed to do.

The early bird gets the worm. You want to deal with someone who is pleasant and dedicated to providing an optimal level of customer service. However, call center customer service jobs can be draining, so don’t wait until the late afternoon when the representatives are exhausted and their patience is thin, to make your request.

Attitude is everything. We all learned in grade school to treat others how we want to be treated. And this rule definitely applies when requesting a fee reversal. When you call in, pleasantly state your case, explain what you’ll do to prevent the issue from reoccurring, and request a pass because of your usual stellar history as a customer.

“Being polite and asking for help is likely to get you further than demanding that something legitimately charged to your account be removed,” Edgar Dworsky, founder of ConsumerWorld.org, told Time.

Don’t give up. If the first request doesn’t work, you can always ask to speak to a supervisor, or hang up and try again.

Credit Card Fees

Here are some ways to avoid and dispute some of the most common credit card fees:

Over-limit fee. Says the Consumer Financial Protection Bureau:

A card issuer cannot charge an over-limit fee unless you have opted in to permit the card issuer to allow charges that put you over your credit limit. Before you opt in, the issuer must give you certain disclosures, including the amount of the over-limit fee.

After you opt in, the issuer must send you a confirmation that you have agreed to allow over-limit charges. If you have agreed to permit over-limit charges, you generally can be charged a fee of up to $25 the first time you exceed your credit limit and a fee of up to $35 if you are over your limit a second time within six months. However, the fee cannot be larger than the amount by which you exceeded your credit limit.

Assuming you opted in, it’s best to keep your credit utilization ratio below 30% because it accounts for 30% of your credit score. But if you are unable to do so and your account ends up in the red, promptly make a payment to cover the overage, and contact the credit card issuer quickly to request that the fee be removed.

Late-payment fee. Missed the deadline on your credit card payment? Expect to see a late-payment penalty — no more than $25 for the first incident and no more than $35 for the second within six months — and no more than the minimum payment due on your card.

As soon as the late fee hits your account, reach out to the credit card issuer. You should describe your overall good standing and loyalty to their company when you ask them to waive the fee. If you rarely if ever make a late payment, your card company likely will be willing to agree.

To prevent future occurrences, make a point of paying the bill as soon as you receive it in the mail or get the email notice. You could also ask to change your payment date.

APR hikes. According to the CFPB:

A card issuer can increase the interest rate on existing balances only if you are at least 60 days late in paying your required minimum amount unless an exception applies (for example, the exception for variable rate accounts). If you pay your minimum amount on time for the first six consecutive months after the rate increase, the issuer generally must reinstate the prior rate.

If your request for the lower rate to be reinstated ahead of time is denied, pay on time without fail and make sure the issuer lowers your rate once the six months have passed.

Balance transfer fee. No interest charged for the first six months or year or even longer sounds good, right? However, balance transfer offers often include a balance transfer fee, usually anywhere from 2% to 4% of the amount transferred.

To avoid this fee, you may be able to find a good balance transfer offer that does not include it.

Foreign transaction fee. You traveled abroad or purchased an item or service from an overseas vendor. Now you see you’ve been charged a foreign transaction fee on the purchase amount.

If the foreign transaction fee appears to be a mistake, such as a foreign airplane ticket purchased from a domestic vendor, ask the credit card issuer to credit the charge.

Avoid the fee entirely by using a credit card that doesn’t have a foreign transaction fee. There are many good cards to choose from.

Dormancy or inactivity fee. Credit card companies are no longer permitted to charge you a penalty fee for not using your card. But the company can still close the account if you don’t use it enough.

Annual fee. Do the benefits of the card outweigh the annual fee? If that’s no longer the case, you may be tempted to close the account (after you pay the balance, of course). When you call, you may find that your card company is willing to waive the fee in order to keep your business. Besides, it doesn’t hurt to ask.

Bank fees

It’s certainly not impossible to get some bank fees reversed. If you accidentally let your account balance slip beneath the minimum balance you need to avoid a monthly maintenance fee, your bank may agree to refund the fee this time.

Likewise, if your bank surprises you with a foreign transaction fee for using your debit card at an overseas ATM, it might refund that fee as well. It’s happened. (Next time you travel abroad, carry a debit card that doesn’t have that fee and you’ll save a lot of money.)

But overall, avoidance of these fees in the first place is the best course to take.

Overdraft fees. Did a $10 meal from Chili’s end up costing you $45 because that $10 charge on your debit card overdrew your checking account? Fortunately, many financial institutions will grant you a courtesy fee reversal for the first occurrence, or may allow a certain number of overdrafts over a specified period without charging the fee.

But don’t make this a habit. Instead, keep a solid cushion at all times. Don’t opt in for so-called overdraft protection that gives your bank permission to let that overdraft go through in exchange for a large overdraft fee. Instead, sign up for real overdraft protection, which lets you tap a line of credit or your credit card to cover the overdraft. The cost in comparison with the typical overdraft fee is minimal.

Or take advantage of your bank’s alerts, if available, that notify you once the balance falls below a certain amount. Also see “5 Sneaky Ways Banks Make Your Account Go Into the Red.”

ATM fees. These are typically not negotiable. Limit yourself, if you can, to your bank’s ATMs or visit a retailer that offers free cash back at the point of sale when you pay with your debit card.

Paper statement fee. When you initially opened your account, your financial institution may have presented the option to receive statements by mail or online. You didn’t pick the online version, and now you’re facing a paper statement fee.

My suggestion: Explain to the customer service representative that this was an oversight on your part and request that you be enrolled in electronic banking and that a portion, if not all of the fees, be reversed.

Monthly maintenance fee. Unfortunately, monthly maintenance fees often come with the territory for checking accounts, unless you meet specified criteria each month — such as having a certain amount of money on deposit and having money direct-deposited to your account each month.

You can avoid these fees by complying with the agreement or by picking a fee-free online-only bank.

This post originally appeared on Money Talks News.

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