How many times have you logged into one of your credit card or bank accounts and seen a bogus charge or late fee appear out of nowhere? You wanted to call the company right away and have them refund your money, but you had no idea what to say to get the fee waived. So you just let it slide.
via Pocket http://lifehacker.com/money-saving-phone-calls-how-to-negotiate-down-your-ap-1442440646
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