<prompt> Human: First off, I want to say thank you to all the great contributors and posters in this subreddit. Last summer I found out I was going to be a dad, and that really gave me the motivation to get my financial house in order. You guys have offered great insight and advice to help on my path, so thank you. Sorry for the wall of text.Anyways, I wanted to share a small victory I had with one of my credit card companies. When I was 19, I signed up for my first credit card through Capital One. Scouring my credit card statements over recently, looking for savings, I noticed a couple of charges. The first charge was an annual fee. The second charge was for some sort of payment protection.I sat down and came up with a plan of attack. I knew I definitely wanted to cancel whatever the payment plan thing was. I also wanted to try to see about converting my card to a different plan, one that at least did not have an annual fee.I called up customer service, and after verifying my information, I told the CSR that I had a couple questions regarding my account. First, I asked what the charge for this payment plan was for. He informed me that it was in case of my unemployment, Capital One will make my minimum payments for me. I told him that, given my stable employment and my freshly established! emergency fund, that I would not be needing those services. The CSR said that he would cancel the service, and in addition to that, once a year they can make the minimum payment on my card at no cost to me. I stated that I would very much like for them to do that. I also asked that, since I was not aware of this option and had never used in the past, if there was anything they could do. The CSR said that they could credit me back the payment plan charges from the past 6 months, which I accepted.Next, I asked if there was an annual fee on my card I knew there was, I just wanted to verify with them. The CSR said there is. I asked if there was anything we could do about that. The CSR said that given my good payment history, they could credit my account back for this years annual fee. I accepted the offer, and asked if there was anything we could do about future annual fees, because I would rather not pay them. The CSR said that he would transfer me to his supervisor. The supervisor picked up the line and asked what she could help me with. I explained that I was informed there was an annual fee on my card, that I didnt wish to pay that in the future, and asked if there was something we could do. The supervisor stated that the best they could do is credit the fee back to my account. I explained that Im a longtime customer with an excellent payment history, and have been very happy with my card and my service so far. But I told her that I had, in front of me, an offer from Chase for their Freedom card, which will give me cashback on purchases, has no annual fee, plus a 200 sign-up bonus. I told her I wished very much to stay a Capital One customer, but that the offer from Chase was very tempting, seeing as not only will they not charge me an annual fee, but they will actually give me money back for using their card. The supervisor told me she could upgrade my card to a cashback rewards card with no annual fee. My plan all along was to get my card upgraded or transferred into a program with, at least, no annual fee. The fact she offered me a cashback card was icing on the cake. I verified with her that we were, in fact, upgrading my card, and that my payment and credit history would remain open.TL,DR: Having a plan and being polite with my credit card company saved me a bunch of money  <response>: Well done. Thats a big win which will continue saving you money in the future. 