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There are certain items that you should always haggle for, like flea market finds or when purchasing a new car.
However, there are some less obvious situations where your bargaining chops may come in handy.
We've compiled a list of nine times it pays to haggle –– and how to do it right.
Late fees
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You can call your credit card company's customer service number and haggle your way out of paying a fee.
We should also add that if you are consistently late, haggling your way out of a late fee probably won't work. If you've missed a payment, start off by saying that you understand you were late, but you'd like to have the fee waived.
Explain it was a mistake and it won't happen again. If the rep is particularly tough and won't refund the fee, respond with, "I'm sorry, but I've been a customer for __ years and I'd hate for this one fee to drive me away from your service. What can you do to remove the late fee?" This will typically get you great results.
Cars
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Cars dealerships are all about negotiation. Try and haggle the cost of the vehicle as a whole, and don't let pushy salespeople intimidate you.
Also, if you're purchasing a used car, look up the car's Blue Book value.
Get the car independently inspected by a trustworthy auto expert as well, and if there are any necessary repairs or issues that need taking care of, haggle the price accordingly.
Related: Want Better Car Insurance Rates? Boost Your Credit Score
Mortgage rates
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The Federal Trade Commission advises consumers to shop around for mortgage rates, and negotiate to get the best one.
A good credit score will go a long way in helping you negotiate for a lower APR, and every person regardless of their score should discuss lowering/eliminating certain closing fees and processing charges.
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