NOTICE: Good news! Our Milpitas and Sunnyvale branches have reopened, and our Palo Alto branch will reopen March 29th, observing safety protocols. We can’t wait to see you! Our San Francisco branch remains temporarily closed. As more members opt for non-face-to-face interactions, you may experience longer hold times when calling our Member Contact Center. We apologize for this inconvenience. Click here for open branch locations and hours.

  • Call it Down

    Call it Down

    Lower monthly bills is just a phone call away

    Have you ever felt like your monthly expenses are getting out of hand? Well, it’s time to stop paying so much. Yes, you can haggle down your bills, it just takes a little effort. Here are the sort of companies you can negotiate with and how to go about doing it.

    Credit Cards 

    If you’re a loyal credit card user, you may be able to negotiate your way to a lower interest rate. Call the credit card lender and explain that you are being offered lower rates from other customers and that you are looking for the same for them. If they give you a hard time, cite your track record of on-time payments and history with the company and you will take your business elsewhere if you have to.


    As US News explains, you can often get a lower cell phone bill as long as you’re not currently under contract. Call your company and ask about a lower monthly payment sometimes called a “bill audit”. Just like the credit card, you’ll want to mention your good payment history and how long you’ve been a loyal customer. If they balk, mention a competitor’s better rate. Phone companies want you paying them, not someone else.


    You can often lower your auto and homeowners’ insurance by calling your agents armed with better rates. The agents want you to stick around, so they’ll likely match the offer from the competitor. Another thing to ask about is the company’s menu of discounts for things like bundling policies, added security features, and the like.

    Hospital Bills 

    Believe it or not, you can also likely lower your hospital bill. Simply call and ask for a reduction in the total or an easier payment plan. The key here is to be honest about the financial strain of the bill. Hospitals would rather get some of the money from you than none, so they’ll be happy to work something out.

    Back to Blog

    Leave a Comment


    characters remaining


Give us a call

Give Us a Call

We look forward to chatting with you.

(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

View Our Contact Info
Visit Us In Person

Visit Us in Person

We’re here to serve your needs in person at our San Jose Headquarters. Visit us at 2010 N. First Street, San Jose, CA 95131.
Get Directions
More Information

Want More Info?

Interested in learning more about all we have to offer? Receive personal finance tips along with emails focused on key topics. You can even sign up for our monthly newsletter.
Request More Information