Answers (1)
You call your current provider for whatever service you may have, bank account, cell phone, insurance ect. Explain to them you are not happy with your rate for a few reasons ( whatever best applies, long time customer, you know other people with same company that have better rates, or you want to switch to a company with better rates). Usually they should be able to help you and credit or change something for you so you pay less. If they can't do that for you, then switch banks or companies if the alternative is better. A lot of banks have good sign up bonuses so make sure you take advantage of something like that. And make sure it's actually better for you because sometimes being with one bank only is better for your credit and the longer you are with one institution the better it looks on your credit score. Make sure you arnt in any kind of arrears with the bank or company if and when you do switch. If they can't give you an equal or better rate or offer than the competition, life is too short to waste money on things like that and switch to what is a better value. Hope this helps some :)