這些常見支出竟然可以講價!

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.

信用卡公司在賬單上增加的財務費用是百分百可以講價的。只要設置較低的利率就可以降低財務費用。唯一的問題在於如果你不守信用--也就是說你經常逾期欠款，或經常性地不支付賬單--信用卡公司可能會拒絕你的講價請求、封掉你的信用卡或減少你的信用額度，所以，這一招得用在經常消費並定期還款的信用卡上。

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.

撥打信用卡背面的電話號碼，接通業務人員，講明你想降低利率，否則會考慮註銷該卡。如果客服代表無法決定，你可以請求和他/她的上司通話。如果你的信用良好，信用卡公司會考慮暫時性或永久性降低你的利率，從而節省每一份賬單的開支。

Cellphone Bills

電話費

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.

電話費也是可以講價的，只要不在合同期限內。和信用卡一樣，你所擁有的優勢在於：各通信公司之間存在競爭。

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.

如果你目前沒有合同，聯繫你的手機供應商（通過客戶熱線）或去店裏找員工代表講明你的目的：更低的利率。否則你會考慮換一家通信運營商，因爲目前的利率實在是太高了。通常，員工代表會提供一份更划算的利率。你會發現同一筆錢你會得到更多的服務，也可能支付更少的錢，獲得相同的服務。

Cable Bills

有線電視賬單

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.

有線電視賬單和衛星電視賬單也可以講價：只要不在合同期限內。

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.

如果你想繼續看有線電視且目前沒有合同，給有線電視或衛星電視公司打個電話吧，協商更低的費用。先做些調研，看看其它公司的報價，然後打電話給有線電視公司代表，說明你因爲其費用過高而考慮換一家公司。