I'm Nicole Lapin, the only financial expert you don't need a dictionary to understand.

It's time for some money we have.

Last week I was on Good Morning America.

I mean, actually kind of been the week before.

What is time anyway?

Anyway, recently I was on Good Morning America and I had a lovely chat with the hosts there

DeMarco and Eva.

I told them about the things we all need to be negotiating with our credit card companies

and there are three biggies, the annual fee, the APR and late fees.

I told them this and I'll tell you this too, if you're not negotiating these three things

you're leaving money on the table, period of the end.

But you don't need to go at it alone.

I'm going to give you the script for these three conversations with your credit card company.

1.

Annual fee.

This is my new favorite thing to negotiate.

I did it and I recorded the whole conversation for money rehab.

I've linked that episode if you haven't heard it yet in the show notes.

And I have to tell you that in the 100,000 years I've been covering money news.

I have never personally called and done this myself.

So recently I did it and spoiler alert, it worked.

Oftentimes we sign up for cards when there are special offers on the annual fee and then

...