No. of Recommendations: 0
The principle is the credit card company didn't screw up, you did.

If it had been an erroneous charge, sure, argue the point with them.

But this was a mistake on your part. The cc company didn't screw up, and you owe them then twenty-one cents.

I don't necessarily disagree with you... however, I also believe that nearly everything is negotiable.

I negotiate for a living, and we all negotiate all the time when we call credit card companies and ask for a lower rate, request that they waive a fee, etc.

Yes, I suppose I technically owed the 21 cents. But after I posted the original post, I went ahead and called Chase. I explained the situation, and asked them to waive the 21 cents. The customer service rep said "sure, no problem" and it is now gone. I didn't even have to explain further or wait for approval.

Why not ask? All they can say is "no." This time they said "yes," and I didn't even have to listen to a lecture about how it was really all my fault.

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