Where to learn about credit cards
The most effective method is to call up your credit card company and tell the customer service representative that you have a more attractive offer from another company and are considering switching credit cards. The customer service representative might send you to someone who specializes in convincing reluctant customers like yourself to stay, or you might stay with them throughout the call. Either way, be polite, lay out your case calmly and methodically, and be willing to negotiate. If you and the customer service representative cannot come to an agreement, thank them, end the call, and try again another day, when your call might be answered by a representative who is more inclined or able to help. (Although customer service representatives are required to follow regulations, they have some leeway in how far they are willing to go for a given customer.