By Curtis E. Arnold
“This ebook is a must-read for bank card holders of every age. Curtis Arnold deals insights into how shoppers can't purely revenue financially from charge cards, yet importantly, easy methods to steer clear of falling into debt.” —Thomas R. Evans, President and CEO of BankRate.com, Inc. “Finally, a person has written a consultant for savvy shoppers who need to make the main of the plastic of their wallets. Curtis Arnold explains precisely how one can maximize your rewards so you’re rather actually getting loose funds and likewise outlines profitable concepts for negotiating the bottom rate of interest and utilizing stability transfers in your virtue. a person who desires to construct credits, increase their credits, or cash in on their charge cards may still learn this book.” —Liz Pulliam Weston, MSN cash own Finance Columnist and Bestselling writer of Your credit and simple cash “Curtis Arnold is America’s most efficient bank card specialist. no matter if you’re attempting to get your first card, evaluate credits deals, or determine tips to beat the bank card businesses at their very own video game, Arnold’s knowledge and insider tips will turn out invaluable.” —Lynnette Khalfani-Cox, The “Money trainer” and writer of the recent York instances Bestseller 0 Debt: the last word consultant to monetary Freedom “If you've gotten had adequate of bank card tips and traps, this publication will assist you flip the tables. Curtis Arnold is aware the bank card enterprise in and out and provides confirmed how one can positioned plastic to be just right for you, instead of opposed to you.” —Gerri Detweiler, shopper recommend and writer of 4 books on own finance together with the imminent e-book cease Debt creditors “For such a lot american citizens, charge cards are visible as an important evil. Curtis Arnold transforms that conception. 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 booklet is helping you turn into the grasp of your charge cards rather than a victim.” —Jordan E. Goodman, “America’s cash solutions guy” and Bestselling writer of Everyone’s cash ebook on credits “Curtis Arnold offers you counsel for shielding your self from high priced bank card traps, the way to use credits for your virtue, and lots more and plenty extra. this can be a must-read book!” —Marcia Brixey, writer of the money Therapist and Founder and President of cash clever ladies academic providers Banks spend billions to attract bank card buyers with rebates, freebies, low introductory fee bargains, and airline miles. This e-book exhibits you the way to take greatest good thing about those distinctive deals—without buying them via brutally excessive rates of interest, charges, and consequences! most sensible self sufficient bank card specialist Curtis Arnold unearths how one can creatively finance significant purchases corresponding 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 recommendation certain to: younger shoppers, retirees dealing with credits discrimination, americans recuperating from debt difficulties, or even to shoppers with spotless credits. Why may still large banks and bank card businesses make all of the cash? Get this e-book, and also you can also begin incomes and saving 1000's, and probably hundreds of thousands of bucks, like Curtis has! liberate the keys to very large bank card savingsFind the simplest charges 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 somebody elseAvoid hidden charges, high priced important points, and flat-out fraud reduce your debt, and reduce your fee of creditStop throwing away funds you'll be saving or making an investment Acknowledgments xvii concerning the writer xxi bankruptcy 1: It’s not only Plastic–It’s cash! 1 bankruptcy 2: express Me the money! bank card Rebates 23 bankruptcy three: release the foremost to very large reductions: grasp bank card premiums and move bargains fifty one bankruptcy four: stay away from difficulties That prevent greatest earnings seventy five bankruptcy five: the right way to cut down Your Debt and retain Your richly deserved funds for your self 89 bankruptcy 6: be careful: Traps and Scams Can fee You massive greenbacks! 119 bankruptcy 7: start at the correct Foot–Credit playing cards for college students and Saving for faculty one hundred fifty five bankruptcy eight: Use particular playing cards for your monetary virtue 179 bankruptcy nine: Your credits document and ranking: the higher You glance, the extra You revenue 209 bankruptcy 10: Maximize the advantages of Your playing cards by means of making the most of extra loose Perks 237 bankruptcy eleven: grasp complicated Card concepts to save lots of and become profitable 259 bankruptcy 12: Capitalize on destiny Card traits 283 word list 301 Index 315
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Additional info for How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line
The card offered a cash rebate of up to 1% on every purchase made using it. At a time when many cards had annual fees and when cash rewards were unheard of, Discover’s new card certainly stood out in a big way. No one had ever offered a no-fee card that gave cash back to boot. Airline reward cards, which typically offer frequentflyer miles for every purchase you make on the card, began to grow in popularity as well back then. When the popular Citi/AAdvantage card debuted in 1987, this co-branded card (meaning it was affiliated with both American Airlines and Citibank) was among the first to offer miles that could be redeemed for free airline tickets.
The rebate and contribution limits vary from program to program, but all rebates you earn go toward the maximum allowed contributions to the 529 savings plan associated with the card.
Unfortunately, I can personally attest to this: When my family’s brand new lawn mower was stolen, I got a check in the mail for the full purchase price of the mower a few weeks later. The theft was very upsetting, but that check definitely helped ease our pain! Similarly, chargeback privileges, which are standard benefits protected by law, come in handy when we have disputes with merchants over goods or services bought with a credit card. Some cards also come with extra insurance, From the Library of Melissa Wong 6 How You Can Profit from Credit Cards which can be a real benefit—for example, in case there’s damage to something that’s shipped to you.