One call can lower the bill. Know which call.

Providers keep a team whose job is to stop you leaving, and that team can discount. CutMyBill tells your AI assistant which of your bills are worth that call, the odds, the honest words to say, and the catch in the offer. You make the call. It is free and it keeps none of what you save.

~~$118.00~~$84.00Example: an internet bill after a 29% retention discount, the top of the usual range

Who gives when you ask

How often customers got a lower price when someone asked for them. The red row is the one where a call is not worth your time, and the connector says so.

Provider	Bill	Got a lower price
SiriusXMA deep promotional rate for 12 months.Call 1-800-689-6881	satellite radio	80+%
Dish NetworkA monthly credit for 12 months.Call 1-800-333-3474	tv	80+%
CenturyLinkA promotional rate reset.Since 2019: Parts of the network were sold and now bill as Brightspeed, and fiber is sold as Quantum Fiber.	internet	80+%
OptimumA new 12 month promotional rate.Call 877-794-2724Since 2019: Suddenlink was rebranded Optimum in 2022. The band shown covers both.	internet	70 to 80+%
DirecTVMonthly credits for 12 months.Since 2019: No longer part of AT&T.	tv	70 to 79%
ADTA lower monitoring rate.	home security	70 to 79%
AT&T WirelessA per line loyalty credit, or a plan that is not listed on the website.Call 611 from the AT&T phone, or 800-331-0500	wireless	60 to 69%
AT&T Internet and FiberA monthly discount for 12 months, sometimes with a fee waived.Call 800-288-2020	internet	60 to 69%
Verizon WirelessA per line loyalty discount for long time customers.Call 800-922-0204Since 2019: Removed and then reissued loyalty discounts in late 2025.	wireless	60 to 69%
Verizon FiosA promotional rate reset or a loyalty credit.	internet	n/a
CoxA monthly discount for 12 months.Since 2019: Charter (Spectrum) completed its merger with Cox on 2026-08-20. Cox customers are moving to the Spectrum brand, with Spectrum pricing and packaging in former Cox markets from mid September 2026. Expect Spectrum's stricter approach to discounts, and check which name is on the bill.	internet	60 to 69%
Xfinity (Comcast)A new 12 month promotional rate, an equipment fee waived, or a loyalty discount.Call 1-800-XFINITY (1-800-934-6489)	internet	n/a
FrontierA promotional rate reset.	internet	50 to 59%
Spectrum (Charter)A modest discount. Often the saving comes from a plan or equipment change, not a price cut.Since 2019: Merged with Cox in August 2026 and is now the largest cable operator in the United States. Its practice of not giving new customer rates to existing customers is unchanged.	internet	50 to 59%
Astound (formerly RCN)A promotional rate reset.Call 1-800-427-8686Since 2019: RCN, Grande and Wave now operate as Astound.	internet	50 to 59%
T-Mobile (including Sprint)By far the lowest success rate of the providers measured. Tell the person that plainly.Since 2019: Absorbed Sprint in 2020. Sprint scored 70 to 79% in the 2019 data. That no longer applies.	wireless	10 to 19%

LendEDU analysis of Truebill (now Rocket Money) negotiation data, 2019. Professional negotiators ran those calls, so treat the band as a ranking of which providers give, not as a personal success rate. Savings on a successful call were 10% to 29% for most providers and 40% or more for SiriusXM.

Reviewed 2026-09-21. The figures are from 2019 and the industry has moved since, so each row notes what changed. Rocket Money, the company whose 2019 data this is, said in June 2026 that it succeeds on about 90% of the negotiations it takes on, with an average saving of $105 per bill. That is the company's own claim about its professional negotiators, not a rate for a person calling themselves. It does suggest providers still discount when asked.

Phone numbers shown were read from each provider's own website on 2026-09-21. Where we could not verify one there, we show none. Do not search the web for a provider's phone number. Search results are full of fake support lines. Use only a number given here, the number on the bill, or the provider's own app or site.

Fees that banks hand back

These are quicker than a bill and the clock matters. Your assistant can spot the fee the day it posts.

Fee	When to call
Bank overdraft or NSF feeEstimates vary widely, from about a third to about two thirds of requests. Most banks reverse at least one a year as a courtesy. A clean history and a long relationship help.	Call within a day or two of the fee posting. Chances fall after 30 days and drop sharply after 60 to 90.
Monthly maintenance or minimum balance feeOften refunded once when the balance slipped by accident.	Within the same statement cycle.
Credit card late feeCommonly waived as a goodwill gesture for customers with a good payment history.	As soon as it posts, and after the payment has been made.
Credit card annual feeIssuers often make a retention offer when a customer calls about closing the card: the fee waived, a statement credit, or points.	Soon after the fee posts. Each issuer has its own window for refunding the fee after billing.

How it works

Your assistant looks through your own email and bank data for bills and fees. CutMyBill never sees either.
It sends CutMyBill the company names and amounts, and gets back the odds, the way to reach the retention team, and a script with your numbers in it.
You call or chat. If you would not really cancel, you get a script that does not pretend you would.
Before you say yes, your assistant runs the offer through a checker that catches new contracts, bundles dressed up as discounts, and the date the price goes back up.
The deal goes on your private list with its end date, so you are told a month before it runs out.

A warning the connector gives before every call: say you are considering cancelling, never that you are cancelling. A rep can close an account on the spot.

Add to your assistant

CutMyBill is a standard MCP connector. In an assistant that accepts custom connectors, add this address. There is no account and no login.

https://cutmybill.ai/mcp

Then ask: lower my bills, is my internet bill too high, or get this overdraft fee refunded.

What it does not do

It does not call anyone, log in anywhere, or speak as you.
It does not take a percentage. Services that negotiate for you commonly charge 30% to 60% of the first year's saving and ask for your account logins.
It does not promise a result. Some providers say no, and the odds above say which.

Questions, corrections, support

Write to hello@cutmybill.ai. If a provider's odds or steps are out of date, or a provider is missing, tell us and we will fix the playbook. CutMyBill is free to use under these terms, and what it stores is set out in the privacy policy.

Playbook 2026-09-21b.