” I called them on it, and I actually got some of them to lower their rates. I advise everyone to do that. Some companies won’t negotiate, but others surprisingly will.
I also call the corporate offices of my cable provider about ever six months, and ask them to review my statement to see how they can lower my bill. They usually come up with $25 to $35 dollars in monthly savings for the same service, specials and the like. It helps.”
Good on you! I do the same, when the opportunity presents itself. Most people don’t know they can negotiate just about any rate or term.
A few years ago, the bank credit card lobby spent over 100 million pestering congressmen to allow usurious rates, and also make it very difficult, or next to impossible to charge off credit card debt, through bankruptcy. They bought the politicians(Dem & Republican alike). Now they issue credit cards to anyone, regardless of credit rating, and charge 28.99 to 30.99 APR. My main card charges 6.99%, but I always wipe it at the end of the month. Consumer-debt- free is the way to go if you possibly can.
Glad to hear you do this also.
Debt free is the way to go. If you look back at all the funds you paid out in interest, it would make you ill. It does me when I look back.