Maybe you’re satisfied with your credit card company. Maybe you feel like it’s time to make a change. Or perhaps you simply want to learn more about your card and what it has to offer. No matter your situation, it makes good sense to get on the phone with a representative to clear the air.

Here are some of the most common questions to ask your credit card company:

1. Do I qualify for a higher credit limit?

This may or may not be important to you, but it’s a question worth asking. If you qualify for a higher limit, think about taking advantage. Not only does it give you more spending power, but it can have a positive impact on your credit score.

Note: just because your limit is higher doesn’t mean you should spend more money.

2. Can you explain the terms and conditions of my rewards program?

If you have a rewards credit card, understanding its terms and conditions is critical to making the most of it. How many points do you earn for each dollar spent? Do your points expire? Are there blackout dates? The answers to these questions are important to using your rewards program to your advantage.

3. Do you have an offer that better matches my financial circumstances and goals?

It never hurts to ask about other credit cards that the company offers. You may find that a simple change can go a long way in improving your financial situation. For example, if you don’t have a rewards credit card, ask about making the switch.

4. What are the fees associated with my account?

Even if you’ve never been hit with a fee in the past, you still want to know what’s lurking. Common fees include annual fees, late payment fees, and foreign card fees. When you know about these in advance, you can avoid them in the future.

5. How long have I been a customer?

This sounds like a silly question, but it’s good to know how long you’ve had an account with your credit card company. The longer you’ve been a customer the more leverage you have when negotiating with your issuer.

Final Thoughts

These aren’t the only questions for your credit card company, but they’re a good place to start. Ask these, see what else comes to mind, and go from there. You’ll leave the conversation with a better grasp of what your account offers and how you can adjust your approach in the future.