conversation: User (dave_v): "Car insurance came in. They dropped the renewal by 15% just because I said I wanted to look elsewhere.  \n\nIt is a freaken game. The whole 'I need to see the manager' bull for authorisation to lower the quote.  \n\nYears ago I would have felt bad. Now it is routine to ask for a better price.\n\nEdit 3 hours in. Thanks for the great replies everyone. I'll do my best to get some upvotes back at you.\n\nFAQ - I can choose an electricity provider in my area. It was meant to keep prices down but lots of people like '2014 me' just paid the bills as they arrived. No more. "
  Self: "Father in law about to finance a car purchase, calls his relatively small credit union who he's been with for 30+ years, and asks for their rate for an auto loan. It was a couple of points higher than other places, so he finances through someone else. \n\nWhile at the credit union later in the week he mentions that they weren't competitive, and they ask him, "Did you ask us for our best rate?"\n\nThe fact that someone calls you looking for your rate should be a hint that they are serious about doing business with you and the bank should have been just as serious about doing business back in their response."
  yeesCubanB (yeesCubanB): "&gt; "Did you ask us for our best rate?"\n\nNo, I asked you for your "Suckers Only" rate, my mistake. Next time I will make it clear when I want to get bamboozled and/or fleeced, and when I do not."
  MinhtTea (MinhtTea): "I like this.  This is exactly how I'm going to reply if I ever get this response from a bank.  "
  PlzGodKillMe (PlzGodKillMe): "And they won't care. I had a discussion with my bank representative recently. They had overdrafted my bank account via my debit card which was supposed to be impossible, as I was told when I signed up 2 years ago. They tell me that they have a policy in place that tries to "honor" recurring payments on my behalf, and can overdraft my account to do so. I ask them how they identify "recurring" payments. They tell me "stuff like Netflix, Hulu". I'm like "So you're saying, if I don't have the money, you oh so generously charge me -$35.00 + the cost of the subscription fee and deficit my account. ON MY BEHALF? And then proceed to charge me $35 every day that my account is overdrafted? AS A FAVOR TO ME? WHAT A GREAT FAVOR. How is this not literally a system just to fuck over poor people?\n\nShe wasn't phased and didn't care. No one cares if it's not happening to them and the people that work in the banks know the system well enough to manipulate it so they're not sympathetic."
  Hellosl (Hellosl): "You can't really win here. Because while you're complaining that the payment went through, other people are complaining that their payment didn't go through. The bank can only do so much when you commit to paying something and then don't have the money in your account. "
  PlzGodKillMe (PlzGodKillMe): "No one wants to pay $70 for an $11 netflix charge. No one ever is going to complain about that. It's never ever been a complaint. "I wanted to watch netflix tonight it's usually only $11 but I feel like paying $80." Who the fuck would make that argument. ????? Did you even read the other posts. There's no option on Netflix to NOT be billed if your service runs out. They will automatically aggressively charge you repeatedly every day until it goes through. You can't say "please wait 2 days" without manually canceling it. And it's not like they're losing out on anything if I don't PAY for service and don't HAVE service. It's only fucking Netflix anyway. Like the fact you're willing to make this argument shows how they get away with this. This is all disregarding the fact I optedout of debit card overdrafts LONG BEFORE ANY OF THIS.\n\nDo tell me more"
  