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【老朋友】】内容 Credit Card Interest 信用卡利息 The finance charges added to your bill by your credit card company are absolutely negotiable. It's easy to argue for lower finance charges in the form of a lower interest rate on your credit card. The only catch is that if you're not a good customer - meaning you don't carry a balance often or you regularly leave your bill unpaid - it may say no, close your card or reduce your credit limit, so you want to use this on a card that you frequently use and pay down regularly. 信用卡公司在账单上增加的财务费用是百分百可以讲价的。只要设置较低的利率就可以降低财务费用。唯一的问题在于如果你不守信用--也就是说你经常逾期欠款，或经常性地不支付账单--信用卡公司可能会拒绝你的讲价请求、封掉你的信用卡或减少你的信用额度，所以，这一招得用在经常消费并定期还款的信用卡上。 Call the number on the back of the card, get a person on the phone and state that you need an interest rate reduction or you may cancel your card. If the customer service representative can't help you, ask to speak to his or her supervisor. If you have a good track record, your rate will often be temporarily or permanently lowered, saving you significant cash with each and every bill. 拨打信用卡背面的电话号码，接通业务人员，讲明你想降低利率，否则会考虑注销该卡。如果客服代表无法决定，你可以请求和他/她的上司通话。如果你的信用良好，信用卡公司会考虑暂时性或永久性降低你的利率，从而节省每一份账单的开支。 Cellphone Bills 电话费 As long as you're not in the middle of a contract, cellphone bills can definitely be negotiated. As with credit cards, the advantage you have is a crowded field of businesses competing for you as a customer. 电话费也是可以讲价的，只要不在合同期限内。和信用卡一样，你所拥有的优势在于：各通信公司之间存在竞争。 If you don't have a current cellphone contract, contact your cell provider either through its customer support line or in-store store representatives and state that you need a lower rate and are considering switching carriers because you can't afford its current rates. The representative will often find a much better deal for you. You'll find that you're paying much less for the same service or getting more services for your dollar. 如果你目前没有合同，联系你的手机供应商（通过客户热线）或去店里找员工代表讲明你的目的：更低的利率。否则你会考虑换一家通信运营商，因为目前的利率实在是太高了。通常，员工代表会提供一份更划算的利率。你会发现同一笔钱你会得到更多的服务，也可能支付更少的钱，获得相同的服务。 Cable Bills 有线电视账单 The same thing is true in terms of your cable or satellite television bill: As long as you're not in the middle of a contract. 有线电视账单和卫星电视账单也可以讲价：只要不在合同期限内。 If you want to keep your cable and are not under contract, it is worth your time to give your cable or satellite company a call and negotiate a lower rate. Do some research first and check for competing satellite and cable packages that offer the channels you want, then call up your cable company and tell the representative you're considering switching to another service due to cost. |
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