Is it worth it to push an issue with my credit card?

I work for one of largest credit card companies around and we love to have "transactors" like you who do not carry a balance but have a large "spend" each month. If that truly is the case, then you should have a reward card. You would benefit and the company would benefit by keeping you longer. The advice about "escalate, escalate, escalate" won't get you much if anything. There's no point. Call in, ask to talk about other "reward cards" and once the representative finds one that suits your desires ask for a bonus pool of points due to your experience. If you really want to give the company your feedback for positive purposes or to restate your desire to get a reward bonus, write a letter. Threats and adversarial attitudes don't get you as far as many people think. Politeness and respectful approach are the keys to success. You never know, the root of the issue may have not been the person you spoke with at all. Some times there are systems for plastic delivery in some companies that take over and expedite plastic mailings based on criteria.... Hard to know without knowing who you are referring to. Regards,

Rest assured that the bank is making money off of your transactions every time you use the card. In your position I would certainly make that rational call, and escalate as high as possible without revealing any of the reasons for escalation. Then when you've dead-ended, make them convince you to keep the account open, and escalate more if possible until you start liking the answers you hear. If it's a platinum card as you say, and you never carry a balance forward, and have the wherewithal to visit Europe (and congrats for that, I hope you had a lovely trip) it's probably safe to posit that you have sterling credit and have certainly earned better treatment than you've received. Boil all the above down into: Threaten to take your business elsewhere and see what happens. If they call your bluff, okay, huge project ahead. But maybe they don't. Another note: simply because your current credit card doesn't have any perks doesn't mean they're not available, either by special exception or by issuing a different type of card. Additionally: I wouldn't expect any direct monetary compensation, just credits / concessions against future business.

...and a rejoinder to hades: sometimes, I'd be right along with the forgive and forget, what's the real harm philosophy you seem to suggest (and in many cases it's the best, I agree) but I think Handful of Rain has reason to be a little more upset than usual here. In a similar position I'd take some of that legitimate angst and see what I could get from it.

Wow. What a crappy experience. Don't let the bank get away with this. There is far too much competition in the card market to give companies who betray your trust, any more of your money. Zakdaddy is right that they make some money off each transaction that you make, but it isn't that much. They make far more from people who carry a significant balance and only make the minimum payments. This means that they may not fight that hard to keep you. But you never know. Ask them what they're going to do to make up for their catalogue of errors here. P'raps move you to a different card and give you a shit-load of miles? If not, screw em. It really isn't any bother to switch credit cards. You can always sign up for the amazon card and get a free $30.

I'm leading more toward hades' answer. (Hmmm... how that might bite me in the afterlife.) Anyway, yeah, it's annoying. Who knows where it was messed up. Yeah, it was likely the rep, who clicked when he should have double-clicked, or didn't know that one click makes the order and un-clicking doesn't do it. I would count yourself lucky that their screw up didn't harm you. Write the letter. Let 'em have it, for yourself, if anything, but if moving banks is not worth it to you, the best you can get it letting them know how much potential trouble they caused you. m

That is terrible customer service. Forget getting anything from them. Just leave them and name the bank. Every card I have tells you the number you use to call collect from anywhere in the world right on the back of the card. And there is no excuse for screw-ups where you get contradictory information and errors involving cancellation of cards or sending of new cards. Also why is canceling a credit card a major process? It sounds like you have no balance and you are not getting anything except for terrible customer service. Even if you have your other checking or savings accounts in that bank, just cancel your credit card there. Maybe it is convenient to be able to pay your credit card directly via your bank to your bank's credit card, but you can do ACH transfers for most any credit cards; just find one that won't charge you a fee to do that. And, if you are spending enough money to be a platinum at your bank, you are probably spending enough that you can get a credit card that will give you something for your spending (no matter what it is, miles, cash-back, points on some web site, something); just make sure that your new credit card company doesn't have an annual fee and doesn't charge you for ACH transfers.

One thing you may want to keep in mind is that the age of your credit lines is a significant factor in your credit score. If this is a particularly old account, or you don't have many credit lines total, you may just want to set the card aside as opposed to cancelling it, if you do get to that point. (Use it occasionally so they don't cancel it on you--maybe put a small recurring monthly charge on it, and have it automatically paid through your bank's billpay.)

I have found when I have had poor customer service, that calling back and escalating has worked. What's more, these calls are recorded and can be pulled up by them, (I've had them do it, get back to me about a week later and say "you were right, we did say that"). Call them. Have them pull up the records. Get a supervisor from the start, work your way up. I agree canceling your credit card may effect your credit score. But then again, they may have already screwed with that when they canceled your card the first time. Even more reason to pursue it, and I'd would let them know this. Good luck! Keep your tone civil and persevere.

I think it's worth pursuing, but I would do it in writing (presumably you are under no particular time constraints) just to have the record and because a written letter seems to have more impact. Also, I think you should have a sense of your expected compensation. It may come down to them asking you "What can we do to make this right?"