Mark it once you can do it without this page open.

How to do it

  1. Pull three months of bank statements and list every recurring charge.
  2. Cancel anything you have not used in the last month, and save each cancellation confirmation.
  3. For bills you keep, look up the current offers for new customers from your provider and its competitors.
  4. Call and ask for the cancellations or retention department.
  5. Say you are considering switching because of the price, name the specific lower offer, and ask what they can do.
  6. Stay polite, stop talking after you ask, and ask to speak to a supervisor if the first answer is no.
  7. Write down the new price, how long it lasts, the rep's name and a reference number.
  8. Set a reminder for when the promotional price ends so you can call again.

Common mistakes

  • Being rude to the person who has the power to give you the discount.
  • Accepting a new contract term without asking how long it lasts.
  • Canceling by email with no confirmation, then being billed for months.
  • Forgetting the promotional price will expire.

Quick self-check

Three questions. Your last score is kept in this browser.

1. Which department usually has the power to lower a bill?
2. What makes your request stronger?
3. What should you keep after canceling?

Teach this to someone

A one-page sheet for showing a friend, a roommate or a kid: what to say, what to show, and one question to check it landed.

Last reviewed . First published .