According to a new survey, here are four things your credit card company will usually do for you if you just call them up and ask . . .

1.  Waive a late payment fee.  Only 25% of us have asked, and it worked 87% of the time.  You just can’t do it all the time.

2.  Up your credit limit.  28% of people have asked, and it worked 89% of the time.

3.  Lower your interest rate.  19% of people have asked, and it worked 69% of the time.

4.  Waive their annual fee.  Only 11% of people have asked for it.  51% had it waived, and another 31% ended up paying a lower fee.  So that’s an 82% success rate.

The survey did find it’s a little harder for YOUNG people to get a yes on all that stuff.  But once you hit your mid-to-late 20’s, your chances go way up.

93% of people between 27 and 36 who’ve asked for any of those four things have gotten a yes at least once.