[Christ]

Ask him in person if 1000 is the lowest he'll go... When he says yes, say: "I guess my 800 cash can't cover that" while counting it up. Hand it toward him suggestively, and say: "Can it?"

Don't another word until he answers. First one to speak loses.

If doesn't accept, say thank you, fold the money gently, stock it back in your pocket, shake the mans hand, and walk away. He may call you back, he may not, but you've lost nothing for the effort.