Cody Gallman

your favorite internet troll

[Cody Gallman @cody_gallman]

YB i cant get you off my mind. you’re my new drive/reason. i know remember you hoding them tattoos from your dad. I know youre calling me soft up there in heaven but its hard down here without you, ill see you when its time. Tattoo soon. Go stars 💚

RIP Wyatt Steven Ricks 11-27

[Won’t Delete This Until OU Scores @Doc_Texas]

Greg Davis will pay for his crimes.

[Sean O'Malley @SugaSeanMMA]

MANIFESTED. @wearedoingwell

[Happy Punch @HappyPunch]

Sean O’Malley hit a salute before Aiemann Zahabi even hit the ground 😳

Insane walk off emote 💀

(via @UFConParamount)

[Zirksee🍽️ @Zirksee]

Does Canada just let Drake do whatever the fuck he wants?

[Dovy🔌 @DovySimuMMA]

I think it’s time for UFC to retire the BMF belt #UFC326

[Xbox Live @OGXboxLive]

An original Xbox Live hidden gem:
Greg Hastings' Tournament Paintball. A fast paced game that combines quick shots and split second decisions. One of the most popular games on Insignia. Get hooked up and join us on the paintball field today! #XBL

[hunter @hxxntrr]

"just pay your credit card bill on time and your score will go up"

no mf

call your credit card company right now and threaten to leave. they'll hand you hundreds to thousands in savings in 15 minutes

you're paying 24.99% APR, a $95 annual fee, and getting 1% cashback on a card you've had for 3 years

meanwhile banks are spending $300-$500 to acquire each new customer

you're sitting on real negotiating leverage and you're not using it

the breakup call script:

call the number on the back of your card. say: "I'm considering closing this account. I've received better offers from other banks and I'd like to know what you can do to retain me as a customer before I make my decision"

they'll transfer you to the retention department. these people have a budget to keep you. they can do things regular reps can't:

waive your annual fee (save $95-$550/year) lower your APR (average reduction is 6.7
percentage points according to LendingTree
data)

add bonus points/cashback as a retention offer waive late payment fees from the past 12 months upgrade your card to a premium tier for free

the success rates are insane. according to LendingTree surveys:

76% of people who asked for a lower APR got one 93% who asked for a waived or reduced annual fee got it 81% who asked for a late fee removal were successful

the negotiation:

"what's the best APR you can offer me?" if they offer 19.99%, say "I have offers for 15.99% from [competitor]. can you match or beat that?"

they'll usually come down another 2-3 points
"can you waive my annual fee this year?"

if they say no, say "I've been a customer for [X] years and I'm looking at the [competitor card] which has no annual fee.

closing this account would hurt my average account age which I don't want to do, but I can't justify the fee"

"I noticed a late fee from [month]. I've been a reliable customer for [X] years. can you reverse that as a courtesy?"

"are there any retention offers available on my account?"

sometimes they'll offer 10,000-30,000 bonus points or elevated cashback for 3-6 months just for asking

what you can realistically save per card:

annual fee waived: $95-$550 APR reduction on $5,000 balance: $250-$750/year (based on avg 6.7 point reduction) late fees reversed: $29-$40 per fee retention bonus points: worth $100-$300

do this for every card you have. most people have 3-4 cards

and if they won't budge? actually close the card and get the competitor's offer. you weren't bluffing. you were negotiating. if they don't value you, someone else will

one call. 15 minutes. real money back in your pocket

you've been overpaying because you never asked them to stop

(if you need to fix bad credit to access the top cc offers, link in bio)

[AR15THEDEMON @AR15thed3mon]

Drake revived Kendrick Lamar’s career

[Abby Heugel @AbbyHasIssues]

They should build a separate grocery store for people who have actually purchased food before, know how to push a cart, and possess at least an ounce of spatial awareness.

[poppa @popitforpoppa]

took her to a rage room & she started hitting ME

[Cody Gallman @cody_gallman]

@BracketNky @RedditCFB 360 puts them right back at ass, i believe you meant a 180 lmfao

[Primetime Carolina @primetimecar]

They really got me at work today like i don’t have a progrum to run

[no earthquake (undignified) @no_earthquake]

u will never convince me that this shit isn’t insane and fucking up kids

[Dom Italiano @itsdomyoutube]

When the CFB 25 servers crash on Monday

[Qadi @Bigqadi]

If 15 people talk to me in one day I’ll cut my phone off

[Cody Gallman @cody_gallman]

@PFF_Steve didnt they say the same about tate martel

[dragon age fan @dragonagefan67]

sorry for how i acted when there were multiple noises happening at the same time

[certified lover girl @accordingtoNay]

😆😆😆🙂 have a great day everyone.

[Jenni @hashjenni]

this is annoying and inconsiderate guys.

[Drew Garrison @DrewGarrison]

Just know I’ll let the entire power grid go down and ruin all of our lives before my thermostat is set at 78°.