Keeping Your Mouth Shut
No one wants to be a nuisance. But by simply asking, you may be able to snag a lower rate on your credit card. When shopping, watch for price discrepancies at the cash register, and make a habit of asking, “Do you have a coupon for this?” You might even be able to haggle for a lower price, especially on seasonal or perishable items, floor models or big-ticket purchases. Many stores will also match or beat their competitors' prices if you speak up. And ask for a discount if you pay cash or debit -- this saves the store the cut it has to pay the credit-card company, so it may be willing to give you a deal. It doesn’t hurt to ask.