With a downgrade, get ready for a steep fall.

If you plan to downgrade a co-branded airline credit card, expect immediate service disruptions. I’ve held a premium airline co-branded credit card for over 30 years. Recently, with the upcoming annual renewal and the economic shifts affecting us all, I no longer travel as frequently, making most of the benefits of the higher-tier card unnecessary. When I contacted the credit card company to switch to a lower tier, my call was answered within two rings. The polite representative promptly addressed me by name and asked how he could assist. After a short conversation, he mentioned that the call would need to be transferred to “retention.”

A few moments later, a warm and friendly lady answered the phone and greeted me by name. I shared what I needed, and she listened patiently, showing understanding and offering some nice alternatives to downgrading the card. She was very professional and genuinely tried to keep me as a happy customer. I appreciated her effort, but I decided to go ahead and change the card level.

That was the last time I experienced high-quality service from the credit card company. Just two days ago, I called the same number about another issue related to my transition; after a dozen rings, I heard a recording saying they were busy, blah, blah. But eventually, I reached a courteous gentleman whose English was limited, though I truly appreciated his effort. This was the company’s second-level call center. While I will miss the premium service, I am grateful for the savings that come with the new plan.

Now this is impressive!

We will all miss NPR.

Another spectacular shopping spree.

My mom always envied the daily Queen.

Does she seem like a happy camper to you?

Nothing says welcome like a bond to enter.

As any reader of my posts will notice, I rarely add something controversial. I happened to see this and thought, hey, wait. Is this a good idea? I am aware that people enter the US and do overstay their stay. It’s anyone’s guess why someone overstays their visa; however, if we demand a substantial pre-payment to enter, we are implying the person will overstay. That doesn’t seem right to me; I’m not aware of any other country that has a policy like this. Should we be setting a bad example with such a unique policy?

A pack of cigarettes is always helpful.

We didn’t have a TV set, however we had fun.