How YOU Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line by Curtis E. ArnoldHow YOU Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line by Curtis E. Arnold

How YOU Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line

byCurtis E. Arnold

Paperback | June 6, 2008

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Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.
Curtis E. Arnold, a well-known consumer educator and advocate, is the founder of, an award-winning website that has been providing objective, current information about credit cards free of charge since 1998. His website has made it easy for millions of cardholders to find more attractive credit cards and lower their ca...
Title:How YOU Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom LineFormat:PaperbackDimensions:352 pages, 8.1 × 5.3 × 0.8 inPublished:June 6, 2008Publisher:Pearson EducationLanguage:English

The following ISBNs are associated with this title:

ISBN - 10:0132353776

ISBN - 13:9780132353779

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Read from the Book

Praise for How You Can Profit from Credit Cards 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 Curtis Arnold's new book is loaded with great information, including some intuitive tips about how consumers can actually use credit and credit cards to benefit themselves financially instead of just benefiting the credit card companies. This is a most insightful book. —John Ulzheimer President of Consumer Education for "Credit Caoch" contributor on CNBC's The Millionaire Inside and Author of "You're Nothing but a Number; Why achieving great credit scores should be on your list of wealth building strategies" Credit cards can be a valuable money tool when used correctly, and Curtis Arnold tells you how. From enhanced consumer protections to lucrative rewards, "How You Can Profit From Credit Cards" reveals secrets of the credit card industry that can benefit you instead of the bank. This book makes you an expert not only about credit cards, but many of the credit issues in your life. And it blows the cover off some dirty tricks by card issuers. When it comes to paying with plastic, Arnold knows his stuff. —Gregory Karp Award-winning syndicated personal finance columnist and Author of Living Rich by Spending Smart: How to Get More of What You Really Want. © Copyright Pearson Education. All rights reserved.

Table of Contents

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