Negotiate annual fees
If your favorite credit card has an annual fee, ask your issuer to waive fee. It’s amazing what you’ll get if you just ask. If the company doesn’t immediately agree, suggest that if they don’t you’ll take your business elsewhere. Many a fee will be waived if they think a good customer will walk. Missed a payment just once? Cite your on-time record and ask them to waive the interest. As long as you’re a great credit customer, you should throw your weight around to save as much as you can.