About this product: Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money!
It's true! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That's because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don't know what to expect.
Scott Bilker, author of Talk Your Way Out of Credit Card Debt, and creator of DebtSmart.com, has spent 10+ years making banks compete for his business. Now, he's sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn't, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.:)
In this book you will discover proven negotiation strategies, and build your confidence, while learning how to: (1) get annual fees waived; (2) lower your current interest rates; (3) shop for the best credit card deals; (4) get late-payment, overlimit, and cash-advance fees waived; (5) compare loan options and calculate savings; (6) dispute charges and get all your refunds; (7) negotiate account settlements; and much more!
About this product: "This book is a must-read for credit card holders of all ages. Curtis Arnold offers insights into how consumers can not only profit financially from credit cards, but importantly, how to avoid falling into debt." --Thomas R. Evans, President and CEO of BankRate.com, Inc. "Finally, someone has written a guide for savvy consumers who want to make the most of the plastic in their wallets. Curtis Arnold explains exactly how to maximize your rewards so you're quite literally getting free money and also outlines winning strategies for negotiating the lowest interest rate and using balance transfers to your advantage. Anyone who wants to build credit, improve their credit, or profit from their credit cards should read this book." --Liz Pulliam Weston, MSN Money Personal Finance Columnist and Bestselling Author of Your Credit Score and Easy Money "Curtis Arnold is America's premier credit card expert. Whether you're trying to get your first card, compare credit offers, or figure out how to beat the credit card companies at their own game, Arnold's wisdom and insider tips will prove invaluable." --Lynnette Khalfani-Cox, The "Money Coach" and Author of The New York Times Bestseller Zero Debt: The Ultimate Guide to Financial Freedom "If you have had enough of credit card tricks and traps, this book will show you how to turn the tables. Curtis Arnold knows the credit card business inside and out and offers proven ways to put plastic to work for you, rather than against you." --Gerri Detweiler, Consumer Advocate and Author of four books on personal finance including the forthcoming book Stop Debt Collectors "For most Americans, credit cards are seen as a necessary evil. Curtis Arnold transforms that perception. Using his advice, people can get rebates, perks, better interest rates, and all kinds of benefits from their cards that they never knew were possible. This book helps you become the master of your credit cards instead of a victim." --Jordan E. Goodman, "America's Money Answers Man" and Bestselling Author of Everyone's Money Book on Credit "Curtis Arnold provides you with tips for protecting yourself from costly credit card traps, how to use credit to your advantage, and much more. This is a must-read book!" --Marcia Brixey, Author of The Money Therapist and Founder and President of Money Wise Women Educational Services Banks spend billions to entice credit card customers with rebates, freebies, low introductory rate offers, and airline miles. This book shows you how to take maximum advantage of these special deals--without paying for them through brutally high interest rates, fees, and penalties! Top independent credit card expert Curtis Arnold reveals how to creatively finance major purchases such as cars, weddings, and condos with little or no interest charges!earn huge credit card "perks" every year!and dramatically reduce your cost of credit. He offers specific advice targeted to: young consumers, retirees facing credit discrimination, Americans recovering from debt problems, and even to consumers with spotless credit. Why should huge banks and credit card companies make all the money? Get this book, and you too can start earning and saving hundreds, and possibly thousands of dollars, like Curtis has! *Unlock the keys to huge credit card savings Find the best rates and balance transfer offers--and make the most of them *Fly anywhere, finance anything Use credit cards to get free airline tickets and cash rebates or low-cost "creative financing" *Don't get ripped off--by your bank or anyone else Avoid hidden fees, costly small print, and flat-out fraud *Slash your debt, and cut your cost of credit Stop throwing away money you could be saving or investing Acknowledgments xvii About the Author xxi Chapter 1: It's Not Just Plastic--It's Money! 1 Chapter 2: Show Me the Money! Credit Card Rebates 23 Chapter 3: Unlock the Key to Huge Savings: Master Credit Card Rates and Transfer Offers 51 Chapter 4: Avoid Problems That Hinder Maximum Profits 75 Chapter 5: How to Slash Your Debt and Keep Your Hard-Earned Money for Yourself 89 Chapter 6: Watch Out: Traps and Scams Can Cost You Big Bucks! 119 Chapter 7: Start Out on the Right Foot--Credit Cards for Students and Saving for College 155 Chapter 8: Use Targeted Cards to Your Financial Advantage 179 Chapter 9: Your Credit Report and Score: The Better You Look, the More You Profit 209 Chapter 10: Maximize the Benefits of Your Cards by Taking Advantage of Additional Free Perks 237 Chapter 11: Master Advanced Card Techniques to Save and Make Money 259 Chapter 12: Capitalize on Future Card Trends 283 Glossary 301 Index 315
About this product: No interest for one year! No annual fee! No minimum payments for six months! And, if you want to believe Robert Manning, there's no way out of the debt that we find ourselves in, as individuals and as a country. Credit Card Nation combines debt of every kind--consumer, corporate, and governmental--and creates a vast landscape of profit-spewing lenders and struggling debtors present at every level of economics. Appalling statistics set readers off on a depressing journey: the years between 1980 and 1994 saw annual consumer charges skyrocket from $170 billion to $581 billion, with the average household carrying over $4,000 in revolving debt. Accompanied by the erasure of nearly $100 billion in corporate debt and tremendous tax cuts for ever-merging conglomerates, the end of the 20th century seems to be just the beginning of an overwhelming cycle. While Manning's book is extensively researched, it is also extremely readable. Individual stories of junk bondsmen, corporate raiders, and middle-class consumers are threaded throughout the pages of charts and statistics, with a few surprises. While most media would have us believe that students who rack up charge accounts are totally irresponsible, the reality is that some of these students are helping their families with cash-advance loans to make mortgage or insurance payments. Emphasis is also placed on the tremendous advertising budgets of credit card companies: Manning comments on "how quickly the cultural norms have changed in the Credit Card Nation," we see a poster insisting "money can't buy you love, but a credit card can get you started." This is not a self-help book, and Manning has no 12-step program for debtors at any level. Credit Card Nation simply tells it as it is. --Jill Lightner
About this product: The real trick to building personal wealth is learning how to transform 'bad debt' into 'good debt.' This quick-hitting book explains how-without having to cut up credit cards. This is the eighth book in the phenomenally successful Rich Dad series. This book was originally published as an e-book and now joins the Rich Dad series in trade paperback format.
Membership has its privileges, but it also has a huge share of disadvantages. Without the proper know-how and guidance, you could find yourself buried beneath an avalanche of credit card debt. Millions of Americans are just like you and are currently attempting to pay off $450 billion to credit card companies. It's in a credit card company's best interest to keep you in debt-after all that's how they make their real money. Even by following their rules, you can quickly be put at a disadvantage. It seems as if there is no light at the end of the tunnel- that is, until now.
And All That Goes With It
Whether you are overwhelmed by credit card debt or trying to prevent it altogether, Credit Card Debt has the answers. The author's basic three-step program provides the information you need to reduce interest rates, eliminate fees, and negotiate with credit card companies to keep your credit report clean. Uniquely designed to help you organize, analyze and reduce your debt, this book helps you understand how credit card companies make their money, how credit cards work, and how to use them responsibly.
About this product: There are many books about sales, but not one about credit card processing, which is one of the most important industries in today's high-tech, knowlege-based economy. We're all affected in one way or another by this intensly competitive field, yet it has suprisingly inspired very little research. This book will likely change that. For the first time merchants, banks, and consumers will have a reference guide to the world of electronic payments.
About this product: This Almanac presents an overview of the laws governing the use of credit cards, including the historical background and development of the various credit card systems and the credit protection legislation that necessarily ensued. Margaret C. Jasper discusses the role of an individual's credit history in credit granting decisions, as well as the legal protections afforded the consumer for preserving their credit rating. Finally, because consumer debt has reached an all time high, with credit card debt being a major factor, a discussion of debt management and collection, and the laws which protect the debtor from harassment, threats and other illegal tactics is also set forth in this almanac.
The Legal Almanac Series serves to educate the general public on a variety of legal issues pertinent to everyday life and to keep readers informed of their rights and remedies under the law. Each volume in the series presents an explanation of a specific legal issue in simple, clearly written text, making the Almanac a concise and perfect desktop reference tool.
About this product: The credit card industry today is a multi-trillion dollar business that employs hundreds of thousands of people across the globe and impacts literally billions of people every day. Yet there is no comprehensive book or reference material available in the marketplace that provides fact-based perspectives on how to develop and manage a successful card business - despite the significant demand from all those involved in the industry. "Developing and Managing a Successful Payment Cards Business" offers information, analysis, observations, perspectives and advice on developing and managing a card business. There is comprehensive coverage of all areas including card business strategy, product development, customer acquisition and retention strategies, and product marketing techniques. The book also reviews underlying infrastructure components relating to operations and systems including risk management and transaction processing and suggests improvement techniques. There is detailed discussion on portfolio performance and profitability evaluation, as well as new technology developments and emerging payment systems such as chip cards and mobile payments.
About this product: Effective credit card fraud prevention programs can increase sales revenue while decreasing administration costs and fraud losses. Learn the techniques and strategies to feel secure about accepting credit cards.
About this product: Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to:
Take charge of your credit
Get help from credit counselors
Request copies of your credit report
Know how to interpret your credit report and credit score
Avoid foreclosure
Communicate with collectors, lawyers, and the courts
Manage medical debt
Safe-guard your identity
Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair KitFor Dummies, 2nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity.
Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.
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