Originally Posted by
npf125
Is the consensus that you be proactive and call retention BEFORE the annual fee posts? Or do you call AFTER the fee posts and complain in order to possibly receive a retention offer? And is the answer the same for ALL banks or is the strategy different depending on who issues the card? Thank you.
Shrug.
Chase will try to keep you as a customer, but if you are spending 10's of thousands on a card they know you like it and might not make an offer. If you are spending nothing they might not want to keep you especially if you have other cards with them.
It would probably take a fair amount of data on spending, other cards with issuer, ... to unlock the secret sauce.
I find it's best to call and ask to cancel with cards I am really ready to cancel. Either I get an acceptable offer, or I cancel.