By Curtis E. Arnold

 “This booklet is a must-read for bank card holders of every age. Curtis Arnold bargains insights into how shoppers can't simply revenue financially from charge cards, yet importantly, find out how to keep away from falling into debt.” —Thomas R. Evans, President and CEO of, Inc.   “Finally, somebody has written a consultant for savvy shoppers who need to make the main of the plastic of their wallets. Curtis Arnold explains precisely the best way to maximize your rewards so you’re relatively actually getting unfastened funds and in addition outlines profitable ideas for negotiating the bottom rate of interest and utilizing stability transfers for your virtue. a person who desires to construct credits, increase their credits, or make the most of their charge cards should still learn this book.” —Liz Pulliam Weston, MSN cash own Finance Columnist and Bestselling writer of Your credit and simple funds   “Curtis Arnold is America’s prime bank card specialist. even if you’re attempting to get your first card, evaluate credits deals, or work out how you can beat the bank card businesses at their very own video game, Arnold’s knowledge and insider counsel will turn out invaluable.” —Lynnette Khalfani-Cox, The “Money trainer” and writer of the hot York occasions Bestseller 0 Debt: the last word consultant to monetary Freedom   “If you could have had sufficient of bank card methods and traps, this publication will enable you flip the tables. Curtis Arnold is familiar with the bank card company inside and outside and gives confirmed how you can placed plastic to be just right for you, instead of opposed to you.” —Gerri Detweiler, patron recommend and writer of 4 books on own finance together with the impending ebook cease Debt creditors   “For such a lot american citizens, charge cards are visible as an important evil. Curtis Arnold transforms that notion. utilizing his recommendation, humans can get rebates, perks, higher rates of interest, and every kind of advantages from their playing cards that they by no means knew have been attainable. This e-book is helping you turn into the grasp of your charge cards rather than a victim.” —Jordan E. Goodman, “America’s funds solutions guy” and Bestselling writer of Everyone’s funds ebook on credits   “Curtis Arnold will give you assistance for safeguarding your self from expensive bank card traps, how one can use credits for your virtue, and masses extra. this can be a must-read book!” —Marcia Brixey, writer of the money Therapist and Founder and President of cash clever girls academic companies   Banks spend billions to attract bank card clients with rebates, freebies, low introductory fee deals, and airline miles. This e-book indicates you the way to take greatest benefit of those detailed deals—without deciding to buy them via brutally excessive rates of interest, charges, and consequences!   most sensible self sustaining bank card specialist Curtis Arnold unearths the best way to creatively finance significant purchases similar to vehicles, weddings, and condos with very little curiosity charges…earn large bank card “perks” each year…and dramatically decrease your rate of credits. He deals particular suggestion detailed to: younger shoppers, retirees dealing with credits discrimination, americans getting better from debt difficulties, or even to shoppers with spotless credits.   Why may still large banks and bank card businesses make the entire funds? Get this booklet, and also you can also begin incomes and saving thousands, and doubtless millions of greenbacks, like Curtis has! release the keys to very large bank card savingsFind the simplest premiums and stability move offers—and utilize them Fly at any place, finance anythingUse charge cards to get loose airline tickets and funds rebates or inexpensive “creative financing” Don’t get ripped off—by your financial institution or a person elseAvoid hidden charges, expensive important points, and flat-out fraud curb your debt, and reduce your price of creditStop throwing away cash you may be saving or making an investment Acknowledgments xvii concerning the writer xxi   bankruptcy 1: It’s not only Plastic–It’s funds! 1 bankruptcy 2: exhibit Me the cash! bank card Rebates 23 bankruptcy three: free up the most important to large discount rates: grasp bank card premiums and move bargains fifty one bankruptcy four: steer clear of difficulties That prevent greatest earnings seventy five bankruptcy five: find out how to diminish Your Debt and hold Your richly deserved cash for your self 89 bankruptcy 6: be careful: Traps and Scams Can fee You substantial dollars! 119 bankruptcy 7: commence at the correct Foot–Credit playing cards for college students and Saving for school a hundred and fifty five bankruptcy eight: Use particular playing cards on your monetary virtue 179 bankruptcy nine: Your credits document and rating: the higher You glance, the extra You revenue 209 bankruptcy 10: Maximize the advantages of Your playing cards by means of benefiting from extra loose Perks 237 bankruptcy eleven: grasp complicated Card recommendations to save lots of and make cash 259 bankruptcy 12: Capitalize on destiny Card traits 283   word list 301 Index 315    

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Ideally, pull out your calculator to determine the best reward card, given your spending habits and lifestyle. Consider it a wise investment of your time, with the payoff being more money. You’ll also get peace of mind from knowing that you’ve done some profitable decision making. ) Here are some things to keep in mind when reviewing offers: Is There an Annual Fee? Paying an annual fee is a pet peeve of mine, particularly when it comes to cash-back cards. But because only a few cards out of the hundreds and hundreds available charge an annual fee, you shouldn’t have to settle for one that does.

No one said we had to like it, though! Regulating the Card Industry So many cardholders and consumer advocates have been complaining about controversial industry practices. Both houses of Congress—as well as key federal agencies—are considering legislation and regulations that, if implemented, would represent the most far-reaching crackdown on the card industry in decades. Hopefully, by the time you read this, the system will be fairer. The powerful banking industry is claiming that more regulation From the Library of Melissa Wong 10 How You Can Profit from Credit Cards would lead to higher prices and less consumer credit.

The goal is to find a card that will work for you—by offering low interest rates, incentives, services, and so on. There’s no benefit in allowing a bank to profit excessively from you, raking in annual fees, late fees, high interest charges, and more, right?!? Many consumers that I talk with assume the offers they get in the mail are the best offers that they can get. Did you know that those “preapproved” offers you’re probably inundated with aren’t guarantees of credit at all? Your name was simply retrieved from a mailing list, and the offers are the result of expensive marketing campaigns.

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