6 Costs You Should Always Negotiate!!!

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With that philosophy in mind, follow these tips to negotiate the best possible deal on 6 common fees and expenses:
1. Credit Card Rates
•  Why they are negotiable: Now that most of the dust has settled  following the big credit card reform act, card companies are competing  fiercely again for new customers. Issuers sent out 1.2 billion credit  card offers in the third quarter of 2010 -- more than three times the  number sent during the same period in 2009. "Use the competition to your  advantage," says Ira Rheingold, executive director for the National Association of Consumer Advocates. "Don't jump at the first offer. You should argue for the best rate."

•  Who to talk to: Call the 800 number associated with a new card offer  (or the number on the back of a current card) and talk to..........

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