How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line
How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line
“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
List Price: $ 19.99
Price:
Shortchanged: Life and Debt in the Fringe Economy (Bk Currents)
Shortchanged: Life and Debt in the Fringe Economy (Bk Currents)
“Shortchanged” takes an uncompromising look at the corporate vultures that prey on America’s working class. Made up of pawnshops, payday lenders, check cashiers, credit card companies and the like, the fringe economy entices vulnerable consumers into an economic netherworld of high interest rates and ever-increasing debt. The book examines the factors behind the fringe economy’s rise — stagnant wages, rising numbers of working poor, and the 12 million U.S. households without bank accounts — and investigates the sleazy practices — instant credit, cash-for-your-title loans, predatory mortgage lending, E-Z home equity loans — that result in phenomenal growth for the industry and a nightmare for the consumer. Powerful analysis is combined with moving personal stories of the mothers, fathers, and families whose lives have been put on the line for the perpetuation of this economy. Ruthless, compelling, outrageous, and often enraging, “Shortchanged” puts the spotlight on the shady side of America’s economic underbelly.
List Price: $ 24.95
Price:
Find More Payday Advance Products
Categories: Loan Products Tags: Currents, Debt, Economy, Fringe, life, Shortchanged
★ Regina’s Personal Loan Story: “Life Can Take You By Surprise”
The Foundation for Safe and Responsible Lending Consumer installment loans, long considered the foundation for safe and responsible lending, are in vogue again. This proven money management practice for personal debt is based on sound financial principles and good insight into human nature. Personal installment loans are a transparent, affordable and disciplined form of credit which helps consumers meet important economic needs. In critical circumstances, these loans also help smooth out income fluctuations and disruptions from unexpected events like car repairs or medical expenses. An installment loan provides a properly structured and timely repayment schedule based on an individual’s actual ability to pay. It also inherently creates the satisfaction associated with achieving important financial goals through the practice of personal responsibility. Protecting Consumer Access to Responsible Credit Consumers Making Good Decisions for the Right Reasons The Same As It Was Over 100 Years Ago With traditional installment loans, the process today is the same as it was over 100 years ago. The industry provides high quality loans in a strongly regulated marketplace with all appropriate consumer protections—without having to rely on taxpayer subsidies. Clearly, it is imperative to keep a healthy, diversified private enterprise consumer loan industry available in this country.