Very nicely
Cash speaks much louder than credit card.
Make an offer! The worst they can do is refuse. Usually they will counter offer and you can go from there. It might take a few tries back and forth before you agree on a price, but almost always you will meet somewhere in the middle.
For example:
Snake Price: $775
Me: I really love this snake! She is beautiful! Would you be willing to come down on the price at all? I have cash!
Breeder: Make me an offer!
Me: How about an even $500?
Breeder: Well I'm looking for a little bit more than that, could you do $675?
Me: That is still a little bit high for me, $600?
Breeder: Okay I can let her go for $625, that is the best I can do.
Me: Sold!
I've haggled quite a bit. The trick is to be courteous and don't lowball too much. Let the breeder know you are serious and they will be much more willing to come down.
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