All the big credit card companies have special cards they give out to heavy spenders. They aren't really secret anymore, but they aren't advertised. Most commonly you hear about black cards. These are cards for people who pull down over a million dollars per year. The card comes with a low interest rate, and a concierge service for when you are traveling. You can call this person, and they will arrange all sorts of cool stuff that most other people couldn't. They'll book special rooms in hotels, pull strings for concert tickets, and all manner of things for the rich person on the go. Their specialty is helping you spend more of your money.

It's an interesting but true fact that the richest people in the world end up hiring people to spend their money for them.

There are also lower tiers of cards available that don't come with as many benefits. Credit card companies actively recruit these people because they're the type of people who are going to use a credit card. For many rich people, it makes more sense to use a credit card to get access to their money. Then they only have to make one payment every month, and it simplifies their finances.

For secret stuff for the average person, you can sweet talk your way out of any and all fees for anything. There is no real opportunity cost for most bank or credit card fees. They are pulled out of thin air. If you are a loyal customer, and it's more important that they don't lose your business then they are able to waive any and all fees in order to keep you. I wouldn't abuse this tactic because many banks won't listen. However, if you can somehow spin a fee as being the bank or credit card company's own fault then they will pay it.

I had $90 of bank overdraft fees on an account that had more than enough money it. The caveat was that it was in my savings, not my checking. The bank neglected to tell me there was a 30 day "activation waiting period" for filing for the automatic service that would pull money through my savings to my checking whenever it was needed. I told them that whole process was ridiculous, and the proof that I was ignorant of the policy was that it happened in the first place. They waived the fees.

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