All negotiations are done in real time over the phone. Your provider uses your account information to authenticate your account and find discounts, promotions, or credits that can be applied. Most promotions are valid for 12 months but can vary from one-time credits to discounts lasting 6, 12, or 24 months. Rocket Money will always accept the best promotion, discount, or credit available. We will not downgrade or remove features from your account to lower your bill without your approval.