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It was never enough to just collect these secrets. I put them
to use, and I hope you'll do the same. That's why I wrote the
e-book "You Aren't Supposed To Know - A Book Of Secrets."
Read this information, and it will change your thinking forever.
Use it, and it will change your life. - Steve |
Credit Card Tips
You may have heard credit card
tips like "get the card with the lowest rate," and
"try to avoid fees." But there are also the secrets
you may not have heard, like little known tricks that credit
card companies play on you, as well as tricks you can use to
get rid of fees and pay off your debt sooner. Here are some of
the best credit card tips, tricks and secrets.
1. Watch for changing due dates.
This is a trick used by some credit card companies to get you
to pay late, so they can collect the late fees. They will also
be able to raise your rate, and the rate on other cards you may
have. Don't assume that your payment due date will always be
the same.
2. Read the fine print, and pay
on time. Be aware that under "universal default" rules,
if you are late on one card, your interest rate can be increased
on other cards as well. They love to get you with this one.
3. You can get rid of annual
fees. If you have good credit, just call and ask for fee to be
removed. This worked on three out of four cards I called on,
and I just dumped the other. Of course the threat to do the same
with the others is what got the fees dropped.
4. Use promotional checks with
care. Transferring balances to 0 interest promotions can be a
good idea, but watch out for those that charge "balance
transfer fees." Transferring a balance that you were going
to pay off soon anyhow will just cost you more if there is a
3% transfer fee.
5. Try credit unions for cards.
Their cards usually have lower rates. My credit union Visa rate
hasn't been over 10% in years, and I have zero liability for
unauthorized charges.
6. Ask to have the late fee waived.
If you've never been late before, some credit card companies
will waive a late fee - but only if you ask. Why not try it?
All it takes is a phone call.
7. Pay in full every month. Credit
cards are for convenience, not for hiding the true cost of things.
Don't pay interest - just pay the balance every month.
8. Don't buy the credit card
insurance. This typically stops your payments when you are injured
or unemployed. It is one of the most over-priced insurances out
there, and doesn't eliminate the debt, but just delays it.
9. Avoid credit card security
insurance. It pays for unauthorized charges when your card is
stolen, but you are only liable for the first $50 if you report
the theft in any case, and many cards already have 0 liability.
10. Pay high-interest cards first
to reduce credit card debt. If you have $200 monthly to apply
to your credit card debt, pay only the minimums only on all cards
but the card with the highest interest rate. Put all the rest
of the money towards that one. Once that one is paid off, work
on the next highest. This is the fastest way to get rid of your
credit card debt, and the most important of these credit card
tips.
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Detection - Trapping A Liar ... Find
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Known Facts ... Wealth Knowledge
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