Take, for example, the tale of Consumerist reader Jason. He’d been a Bank of America credit card holder for five years, and a year ago he had taken advantage of 0% APR on balance transfers to move over several thousand dollars to that card.

With the 12 months of 0% interest ending in June, Jason paid off the balance before it bounced up to a whopping 24% APR.

With his mind on that 24%, Jason decided to call up BofA to see if — since he had always paid his bills and had decent credit — he could get the bank to drop that number a bit:I spoke to a customer rep that told me there were no lower APR offers available so I proceeded to ask for a supervisor. I get on the phone with the supervisor and I stated that I had no late or no missed payments and paid off the balance. I then asked the supervisor is it possible to lower the APR.

She checked my credit and proceeded to tell me that they were closing my account. Her explanation was that they were afraid that with a $8000 limit, the debt on the card would go up.

I asked, “How does that make sense? I paid my balance off, I plan on keeping the credit card active, I have a job, I always pay on time, I have never missed a payment and you’re closing my account?

“If you’re so worried about the $8000 then lower my limit to $1000. I just want to keep my account active because if you close my account it hurts my credit score.”

She went on to say “it’s our decision to close the account at this time.”

I then pointed out, “If I never miss a payment and always pay on-time, isn’t that beneficial for Bank of America to keep me as a customer? Bank of America is a financial institution that makes money on credit card interest on paying customers and yet you want to close my account? Does that make sense to you?”

Unfortunately, the bank makes more money off customers who don’t question their high APR, pay the minimum each month and forget to pay off 0% balance transfers before the interest rate goes sky high.

Jason asked the BofA supervisor, “As a person, not as an employee of Bank of America, do you think this is logical? I’ve done everything right to be in good standing with Bank of America and you blind-side me by closing my account?”

He says there were several seconds of silence before the supervisor told him, “It’s our decision to close the account at this time. Have a good day.”

Bank Of America Apparently Doesn’t Want Credit Card Customers Who Pay Their Cards Off – The Consumerist

For many members of the class of 2012, the dream job and the dream salary won’t come right away and as a result some may turn to credit to bridge financial gaps.

Credit standing can impact everything from apartment leases to car loans, and in some cases, even job applications.

Getting off to a solid start can be really simple.

According to Beverly Harzog of Credit.com, “When it comes to credit, the most important thing when you’re starting out is, yes it’s fine to get a credit card because it is important to build a good credit history, but pay that balance off every month. You really have to do that.”

Young people can find themselves with a lot of offers for their first credit cards.

Harzog warns, don’t be flattered, millions of others will get the same offers too.

She says, “Don’t fall for the hype. take a deep breath, and read the offers very carefully. Read the fine print and don’t get a card unless you absolutely do need one.”

Important points in that fine print include the interest rate, and any fees especially those that might be attached to a rewards card.

This is perfect time to remind you, whether you’re a recent grad or almost at retirement, you should be checking your credit report on a regular basis. incorrect information on your report could cause you to be paying everything from higher interest rates to increased insurance premiums.

Everyone is eligible for obtain one free report a year from each of the three big credit reporting agencies. To get yours, visit: www.annualcreditreport.com.

Latest Watch + Listen

With all the various miles, points or rewards available on the market for credit cards, it can be tricky to manage or to get the most out of your rewards program. With the credit card companies offering the exact same programs, finding the card that suits your spending habits, the points you want, the cash back you deserve, or the discounts that benefit your lifestyle can be hard to find. most of the credit card customers are not getting the most out of the programs that they sign up for. below are some tips and tools to help you learn how to maximize your credit card rewards, get the bonuses that aren’t advertised and ways to better manage your points

Credit Cards That Fit Your Lifestyle Don’t be a sucker for the large bonus points or free miles when you sign up. That can be a great deal but just make sure it’s the right deal for your spending habits. if you spend more of your daily transactions on gas and groceries, don’t sign up for a card that only allows you to earn points on restaurants and travel. find a credit card that is tailored toward your spending habits and see if the card has any partnerships with local vendors. this will help you earn the most points and incentives for your daily transactions and not wasting any opportunities with a card that doesn’t allow you to earn rewards on your spending habits.

Credit Card Promo Rates. Don’t be lured by fancy commercials with celebrities promising you large percent on discounts, 0% balance transfers or 5% cash back. Read the fine print and make sure that there are no restrictions or underlying minimum spending. Go with the guaranteed long term rates and cash backs incentives. take the 1.5% cash back versus the 5% cash back with only a 0.5% cash back after the 6 month promotional period.

Combine Your Miles and Points. Credit cards want you to get that trip to Europe or that weekend getaway but that requires a lot of miles. More and more rewards programs are now allowing you to combine points, transfer rewards or even give the miles as a gift. making some reward programs more desirable by allowing customers to share in gifts, travel, and discounts that they desire. Such reward cards offering these incentives include Bank of America, Royal Bank of Canada, and Chase.

Take Multiple Routes. Airlines offer more and more miles than ever before. a lot of frequent flyers forget that airlines factor rewards with how many miles you fly and also for different routes it takes to get where you’re going can earn double the miles. these flights are usually cheaper and can help with earning you more miles quicker.

Daily Purchases with Credit Cards. if you pay everything with your bankcard or debit card and don’t like have cash on hand, then take advantage of your credit card. Bank of America provides me with bill pay and it’s free of charge. Allowing me to automatically transfer money from my checking account to pay off any daily transactions so I don’t accrue any interest and still earn the points

Beware of Expiration and Blackout Dates. While 60% percent of rewards programs don’t have any blackout dates or expiration dates, keep track of your status and if you are signed up for that program that does have limits or expiration’s linked to your program. Some programs have rules and restrictions that state you will lose points after a period of inactivity or low spending on the card itself.

Avoid Electronics and Gadgets. when it comes to cashing in those rewards for an LED TV or DVD player, you should think twice before cashing in those points. if you were to add up all the money for the points earned, you most likely pay three times or more than the actual cost of purchasing it at a retail location.

Pay Your Bills. if you can’t afford it then don’t buy it Your credit card is a tool to help with your purchases and can help you in the processes. if you allow the monthly interest charges to bail up, then your rewards can become a reminder of how much money you wasted.

Link Your Programs More reward programs allow customers to sign up there existing account to a particular program that might not have been available when received your card. Beware that this might mean you forfeit some free upgrades or kick backs, but these programs will allow you to earn double or triple the points for doing so.

Benefits Without Spending Some credit cards will offer you savings and benefits for free what if your credit card paid you to drive and all you have to do is send them a copy of your last oil change receipt showing the miles on your vehicle and they send you check the card that offers this great benefit is the Citi Drivers Edge Card.

Minor Perks with Huge Gains almost every credit card provides some kind incentives and perks that customers sometimes don’t realize or forget to use them. Some credit cards will offer priority check in, free bag check in, price protection money back, discounts to eating at preferred restaurants and even offer free roadside assistance. Before you order triple a roadside assistance, check to make sure your credit card doesn’t include that with the rewards Don’t pay for things that are already given to you for free

Credit Card Rewards: How to Earn the Most Points

NEW YORK (WABC) — People’s credit card numbers and all sorts of personal information have been found right on the internet, in an Eyewitness News exclusive.

The website was stumbled upon by Sean Herskovitz, who never expected to find what he did when he Googled his girlfriend’s name.

he was shocked to find her credit card information for sale, along with her Social Security number and address. She wasn’t alone – the site had information on hundreds of people.

Sean called several of the people on the list, most of whom thought he was running a scam.

Some of the writing on the site is in Russian, which gives the impression of an off-shore operation, but selling this kind of personal information is hardly new.

The FBI says it always investigates credit card fraud, especially when it’s internet based. however, officials wouldn’t comment on this specific site.

Victims of online credit card fraud can file a complaint on IC3, the joint FBI and National White Collar Crime Center Partnership’s website, or call FBI new York at 212-384-1000.

— Get Eyewitness News Delivered

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(Copyright ©2012 WABC-TV/DT. All Rights Reserved.)

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new york city, credit card, new york news, stacey sager

Exclusive: Credit card, personal info posted online

By picking a card or deal that best suits your needs you can reduce the cost of credit card debt, writes FIONA REDDAN 

IT’S CONVENIENT, easily accessible, and only has to be repaid in small amounts each month. Unsurprisingly therefore, as the recession continues to bite, people are still relying on their credit cards to carry them through tough patches. indeed despite – or perhaps because of – the radically changed financial circumstances that many people now find themselves in, the average outstanding debt per credit card in Ireland has fallen by just 6 per cent since the heady days of 2008 when it peaked at €1,350.

So if you’re one of those people whose “flexible friend” has become more of a “fiendish foe”, what do you need to know to change your situation?

CHASE THOSE 0% DEALS 

If you have a sizeable outstanding credit card debt, it could be time to move to a credit card provider that offers 0 per cent for a limited time. doing so is one of the easiest ways to cut your debt down to size – provided that you put your card on ice and make monthly repayments. For example, if you have outstanding debt of €5,000, by switching to a 0 per cent provider for 10 months it will save you €708 in interest payments. and if you switch again, you’ll continue to save.

MBNA currently offers 0 per cent for 10 months if you switch to its Platinum card, or 1.9 per cent for six months on its standard card. Similarly, an Post’s one Direct card, which is also issued by MBNA, offers 0 per cent for 10 months. both Tesco and Permanent TSB also have a zero rate for six months.

CONSIDER a PRE-PAID OPTION 

The advantage of a pre-paid credit card is that you can’t spend what you don’t have. The disadvantage is that in times of need, it won’t give you money that isn’t already in your account.

There is a variety of options on the market, including the O2 money card. You can top this up online, in any O2 store or wherever you see the Payzone symbol. it can be used wherever Visa is accepted – which is almost everywhere. it is also useful for online shopping. it does come with a charge however, of €4.99, while topping it up will incur a charge of between €0.39 and €2.99 each time.

Another alternative is to look for a Visa debit card, from a provider such as Ulster Bank, which works much like a laser card in that it withdraws money directly from your current account. this makes it easier to keep on top of your spending – and won’t see you incur any hefty interest charges. On the other hand, it isn’t much use if you find yourself stuck in another country, with an empty account and pay day a few days away.

And with summer on the way, you may be looking to book your holiday flights online. doing so will incur a charge however, unless you book with Ryanair and use its new Cash Passport to do so. Using this new card will mean you avoid the €6 administration fee charged by the airline, and while it attracts a €10 fee to obtain, you will receive a €10 flight voucher to be redeemed against your next flight. Money can be withdrawn from the card or used wherever MasterCard is accepted, but like O2, there is a charge each time you put money on the card, of €3. Moreover, a negative balance charge of €15 also applies should you go overdrawn.

TO PROTECT OR NOT TO PROTECT? 

If you’re taking out a credit card for the first time, or are applying for a new card, you might be offered payment protection insurance (PPI) by the provider. But should you accept it?

PPI is an insurance policy that is aimed at covering repayments should you be unable to meet them. But many policies are riddled with exclusions, such as unemployment, which means that they may be of little value to you. they can also be expensive. For example, for a credit card the cover usually costs about 70 cent per €100 outstanding each month. So if you have €10,000 in outstanding debt, it could cost you a hefty €70 a month. and if you usually pay off all your credit card balance each month and take out PPI, you may be paying for cover that you don’t need.

Moreover, numerous cases where people were unaware that they had bought the product have also recently come to light.

If you feel that you were mis-sold a payment protection product, you should in the first instance contact the relevant financial institution. if this doesn’t work, you can then bring your complaint to the Financial Ombudsman. There are also a number of private operators who promise to get your money back for a fee.

PICK a CARD THAT SUITS YOUR NEEDS 

If you tend to rack up sizeable balances on your credit card, then you will need to shop around for the lowest interest rate. Apart from the introductory offers mentioned elsewhere, the lowest current rate available for purchases is 13.6 per cent from AIB’s Click card – which compares well with 22.7 per cent for a MasterCard from the same bank.

If, however, you always pay off your bill each month, then how much interest is being charged isn’t really important. Instead, you need to make sure that you’re not being charged any extra charges.

With Bank of Ireland’s Platinum Advantage card, for example, an annual fee of €76.18 applies, while National Irish Bank’s Platinum MasterCard is only available to customers with a Prestige Current Account – and this account attracts a €31 quarterly fee.

If you like to withdraw funds from your credit card when short on cash, then you might find a different card best suits your needs. National Irish Bank’s MasterCard Platinum, for example, charges just 9.75 per cent for cash withdrawals, compared with Bank of Ireland’s Clear card which has a 21.36 per cent rate.

Your annual income may also preclude you from applying for particular cards. For example, to apply for Ulster Bank’s Gold MasterCard you need a minimum salary of €30,000, or €50,000 if you’re a new customer of AIB’s Platinum card. On the other hand, Tesco Finance just requires income of €7,500 to qualify for its credit card.

FORGET ABOUT THE MINIMUM PAYMENT 

It sounds like a good deal. You get to borrow €5,000 and you only have to pay back 5 per cent, or €250, a month. So that once in a life-time trip to Australia sounds sensible right? Wrong!

If you borrow that much money and only make the minimum payment each month, it will take you over 10 years to pay back the loan – for some people that’s almost half a mortgage. Not only that, but the total cost of the holiday will come to almost €7,000 – or 40 per cent more expensive than if you hadn’t used your credit card to fund your trip.

Bank of Ireland only requires a repayment of 2.5 per cent a month, for example. Remember, the minimum payment was created by banks and credit card providers to make themselves more money. Not to help you.

GET “REWARDS” ON YOUR SPENDING 

As long as it doesn’t encourage you to spend more just so you can benefit from the rewards, earning little extras as you spend can be attractive. With Tesco’s credit card, for example, you can earn one Clubcard point for every €1 spent, plus one extra point for every €2 spend. Once you’ve collected 150 points, they can be converted into a Clubcard voucher worth €1.50, which can be spent on everything from groceries, to meal vouchers to magazine subscriptions.

And with AIB’s Platinum Visa card, you can earn 0.5 per cent cashback on purchases over €5,000 (up to a maximum of €50,000) in a 12-month period. Moreover, department store Brown Thomas has a storecard which allows you to earn reward points every time you use the credit card in either Brown Thomas or one of its partners.

However, with MBNA undergoing a change of ownership, other reward schemes are being affected. The acquisition, by US private equity group Apollo, is due to close in the first half of 2013, but already it has pulled out of some of its affinity relationships. Previously, for example, users of the Pigsback credit card, which is issued by MBNA, were able to earn “Piggypoints” with the card, which could be used for purchases on pigsback.com. however, this arrangement ended on March 1st, although according to pigsback.com, it is looking to partner with another credit card provider.

Similarly, AXA, which also ran a rewards scheme, has ended its agreement with MBNA, while Ulster Bank ended its YourPoints programme for new registrations last year.

DITCH YOUR DEBT 

If you’re struggling to repay a long-standing credit card debt, the National Consumer Agency (NCA) has launched a new guide aimed at helping you achieve this goal.

Some of its top tips include the very obvious – but possibly the most difficult – task of simply stopping using your credit card. After all, the quicker you stop adding to your bill, the quicker you will be debt-free.

The NCA also recommends that you ask your credit card provider if they will consider reducing the interest rate levied to your debt – one phone call could save you a bundle, and it never hurts to ask.

The NCA also recommends that you ask your credit card provider if they will consider reducing the interest rate levied to your debt – one phone call could save you a bundle

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Squeeze some savings out of your credit card

For a while you manage to stabilize things by getting yourself another low interest card, perhaps one which has a zero percent transfer fee for the first six months. however, pretty soon this introductory offer has dried up and has now moved onto high interest levels. so the debt begins to increase again, although this time it is higher still because you have been using your cards to make even more purchases during this period. around this time you may even have considered taking out a consolidation loan. perhaps you have even taken out such a loan, only to find yourself back where you started within a year or so after taking out that loan.

If this picture sounds familiar to you, if you have also gone down the road of acquiring many credit cards and just don’t seem to be able to free yourself of them, and if you are now up to your neck in credit card debt, then you are not alone.

Here’s the Truth

The reason why you, just like so many people, are stuck in credit card debt comes down to a few factors which appear to be a big secret because, they are rarely talked about. even fewer people understand the implications of these factors. the reason why you, like so many people, are entrapped is due to the following factors:

• the buy today and pay back tomorrow lifestyle.
• the don’t take a responsibility attitude.
• Double digit interest rates.
• low minimum repayments.

Briefly put, the secret behind your credit card debt lies in present society which emphasizes the buy today and pay back tomorrow lifestyle. in our present World culture, we are constantly pressurized into making purchases and financial decisions based upon keeping up with the Jones’s rather than living within our means.

Furthermore, it is compounded by the don’t take a responsibility attitude, which is the attitude wherein we blame everyone else for our problems. It is the attitude, which is so popular today, and which makes us feel like a victim.

Importantly, when we buy into this attitude we disempower ourselves. It is this kind of thinking which has us reaching for a new consolidation loan rather than making changes in our lifestyle instead.

When these two attitudes are combined with our little plastic cards, with their double digit interest rates and their low monthly repayments, it places us firmly onto the high debt roller coaster. Because, the minimum monthly repayment is designed to keep us in debt, it can take anywhere from 7 to 20 years in order to pay off a credit card on the minimum payments. during this time the interest is accruing and of course most people just keep on buying new things on their cards.

This is the secret behind credit card debt and this is why, no matter how hard you try, you just cannot manage to get out from under it. the system is against you, this system which is designed to keep you in a victimized consumer role, whereby you just keep on tagging along, making minimum repayments and hoping that things improve somehow. of course things do not improve. Sooner or later the roller coaster has to come to a stop because eventually when things really get out of hand, you reach a stage whereby it is not possible to meet the monthly repayments and instead you find yourself defaulting on them.

This Is Not the End

Fortunately, this is not the end. Indeed, it can even spell a new beginning.

If you have now found yourself embroiled in credit card debt, then do not despair. what has been keeping you in this dark place is not mysterious or magical, and like all problems there are solutions at hand. what has really kept you a prisoner of debt lies in the fact that you try to live like everyone else and yet somehow you mysteriously get embroiled it. however, as noted above, the debt is a side effect of the society in which we live. while it is painful to find yourself in mounting debt, it is possible for you to get out of it and more importantly to stay out of it.

If you find yourself in this position, then the first step involves waking up to your situation and taking affirmative action which leads towards a solution. by learning more about credit card debt and how it has entrapped you in a painful cycle, it paves the way for you to find a solution which will work at creating the freedom which you so desperately need. so let go of the victim role and start today to work your way back towards credit card debt freedom.

The Secret Behind Credit Card Debt

Five government officials, including two in former Labor prime minister Kevin Rudd’s department, have been axed over credit card rule breaches in the past three years, new figures show.

Liberal MP Jamie Briggs uncovered the rorts through a parliamentary question on notice to Prime Minister Julia Gillard and other ministers.

In the first instance in 2009, a prime minister’s department official breached the department’s credit card guidelines 11 times, was suspended and repaid $2494.

The second official breached the rules twice and paid back $295.

Both investigations found the public service code of conduct had been breached and sanctions were recommended.

"Both employees were terminated at their request before sanctions could be imposed," the prime minister said in her answer.

The Defence Department said three of its employees had resigned before action could be taken against them.

It reported that in 2008/09 the credit card guidelines were breached 51 times, to a total value of $89,718.49.

One person breached the rules 35 times.

In 2009/10 the defence department identified 83 breaches to the tune of $32,314.85, and the figure for 2010/11 was $37,183.10 from 91 breaches.

The department said it had improved its fraud recovery and audit controls in February 2011, with credit card use now being detected faster and case numbers on the decline.

The resources department identified $12,715.64 over 29 breaches of credit card rules from mid-2008 to mid-2011.

Resources Minister Martin Ferguson said that in all cases the cardholders were warned and invoices issued for recovery of the funds.

In one instance, involving over $10,500 in 2009/10, the resource department employee was prosecuted and sacked.

Mr Briggs said on Monday the figures also showed that since Labor took office in 2007, departmental credit card expenditure had more than doubled.

"Now we are finding out that there has been a number of lapses in the legitimate use of taxpayer-funded credit cards under the Rudd/Gillard government," Mr Briggs said.

"The fact that staff are being terminated from the prime minister’s own department over the use of credit cards is concerning."

He said a coalition government would undertake a thorough investigation of the use of departmental credit cards.

The agriculture department reported 64 breaches over the three-year period from 2008, with 14 officials counselled for breaches totalling $7309.

The communications department reported 19 breaches over the period 2008-2011, with cardholders being counselled on each occasion and the money repaid.

In the attorney-general’s department there have been 30 breaches of credit guidelines from 2008-2011.

Officials were counselled on the guidelines and money was repaid where necessary.

Credit cards a problem in PM Rudd’s office

Bookmark this post and keep it handy when you’re applying for one card of a bunch of cards; either way, it’ll likely give you the answer to “am I approved?” or “What do I have to do to get approved?”

If you have different numbers / other contact info or if any of this is incorrect from your experience please comment and I’ll update the post.

American Express

American Express Application Status: http://www.americanexpress/applicationstatus

877-399-3083 – New Accounts (rings direct to a human)866-379-3643 – New Accounts (rings to a series of prompts)800-230-1284 – Account Services (initial prompt for account #)800-253-1709 – Account Services (initial prompt for account #)800-962-7227 – Reconsideration

Bank of America

Bank of America Application Status: https://www5.bankofamerica.com/creditcards/application/decision.action

866-458-8805 – Appeals (rings direct to a credit analyst)877-721-9405 – Application Status (Press 3 to speak to a human)888-877-6262 – Application Status

Barclays

888-232-0780 – Customer Care866-408-4064 – Credit Analyst866-369-1283 – Appeals (rings direct to a credit analyst)

Capital One

Note: Capital one doesn’t take customer initiated calls regarding application status until you have received an answer via mail. They also do not take customer initiated calls for credit line increases.

800-951-6951 – Customer Relations800-548-4593 – Application Status (automated)800-625-7866 – Account Specialist

Chase

800-436-7927 – Application Status (automated)888–609–7805 – Application Status (human)888-245-0625 – Reconsideration (direct to a Credit Analyst for PERSONAL cards)800-453-9719 – Reconsideration (direct to a Credit Analyst for BUSINESS cards)

Citibank

888-201-4523 – Application Status866-606-2787 – application status800-763-9795 – Reconsideration

Discover

Discover Application Status: https://www.discovercard.com/cardmembersvcs/acqs/app/displayStatusRequest?vcmpgn=discovercard_com_simplify

888-676-3695 – Reconsideration866-219-0214 – Retention Department

HSBC

HSBC Application Status: https://www.hsbcapply.com/status/hsbccreditcard

866-574-4421 – Application Status866-551-0258 – Credit Analyst866-280-0118 – Executive Resolution Unit

For today’s Deal of the Day ExpertFlyer is donating One Year of Premium service  ($100 value) for the best overall travel deal submitted. A great mileage run, mistake fare, partner promo, new card sign-up offer, or the special twist you figured out on a deal today. Add it to the comments section of this post (along with your first name, last Initial, and Airport Code) or this afternoon’s Deal of the Day post to be eligible to win.

Credit Card Company Contact Information

Evel Knievel was an American motorcycle daredevil famous in the United States between the late 1960s and early 1980s.

When I was a kid I could remember watching his amazing jumps on TV.

I would jump a stump on my bike in the front of my house imagining I was him.

Knievel’s nationally televised motorcycle jumps, including his 1974 attempt to jump Snake River Canyon at Twin Falls, Idaho, represent four of the twenty most-watched ABC’s Wide World of Sports events to date.

His achievements and failures, including his record 37 broken bones, earned him several entries in the Guinness Book of World Records.

The conquistador darling of the direct mail industry.

http://www.hardtofindseminars.com/Michael_Fishman_Interview.htm

Unlike Evel, he takes no chances with his life or his client’s money.

I call him “The Daredevil of List Brokers” because of his willingness to push the bounderies of traditional direct mail.

His name is Michael Fishman.

And in this interview, you’ll hear from the daredevil himself about how he does his magic by expanding marketplaces and finding similarities where other list brokers don’t come close.

But according to Michael, before you even think about expanding your list universe, you need to fully understand what your market is and how your product fits into it.

And in this audio, you’ll hear how to do that.

You’ll Also Learn …

* how to think outside your immediate “category” and find customers in places you’d never thought to look

* all about the different elements of a direct mail campaign and how they work together to create success

* how to run the kind of tests that validate demand for your product while giving you the kind of concrete results you can trust

* 3 things Michael looks for in a list to know for sure it will work

* all about word-branding and ways to build trust – even if nobody knows your name right now

* Crossing over from Internet success to direct mail success – and vice versa

* all about the 3 types of direct mail – what works, what doesn’t, and what you’ll definitely want to avoid

In part two of this interview you’ll hear about a mailing so large that the envelopes filled sixty 18 wheelers trucks.

If Evil were alive today, he’d want to jump these trucks full of mail on his motorcycle.

And if you want to know what it takes to have a winning direct mail promotion this size, you’ll have to listen to this ground breaking two part interview.

When it comes to expanding mailing list markets, there is no one better.

You can download or play the two part interview now.

http://www.hardtofindseminars.com/Michael_Fishman_Interview.htm

PS. who was your childhood hero?

Reply to this e-mail and in the subject line in all caps type out your hero’s name.

If you do, I’ll send you a link to a video of Evel’s greatest jump ever.

I’ve spent the last five years of my life creating fascinating streaming audio interviews with big name marketers and getting them to spill the beans on how they got rich and famous and I’m giving most of my life’s work away free.

These interviews below are designed to be superior to any lecture out there.

They’re more informative, natural, and the information is more dynamic and dense.

The sheer scope of marketing and business growth information below is mind blowing.

Start clicking and get ready to discover this amazing gold mine!

Michael Senoff is the CEO and publisher of http://www.hardtofindseminars.com and http://www.myfirsthmaclient.com

The world’s leading free digital consulting audio business library.

Michael is an experienced Internet marketer and talk show host and a popular professional interviewer.

Michael has taught 100% online around the country & around the world to more than 50,000 students.

His over-the-top online audio interview web site http://www.hardtofindseminars.com is listed in the top 1% of most visited web sites in the world.

Michael has also worked as a coach and adviser to other famous marketing consultants.

Michael is a husband and father of two young boys in Southern California.

He has a successful audio publishing business.

Michael is originally from Atlanta Georgia and is now based in San Diego, California.

Michael works with small to medium sized companies on four different continents.

He is the author of the book: “TALK YOURSELF RICH”: (86 of the most revealing, proprietary secrets on the subject of how to make more money with audio interviews and the soon to be released sequel:

AUDIO MARKETING SECRETS. how to Make your Own Information Product Using Audio Interviews.

Michael may be contacted at Michael@michaelsenoff.com or at (858) 274-7851

How To Reduce Credit Card Declines & Chargebacks . . .

Don’t use credit cards for cash from ATMs or at casinos. you normally have to pay very high fees for these types of transactions. Therefore, it is best to only get a cash advance on your credit card in an emergency situation.

Be careful if you buy things online with your credit card. Don’t input any credit card details unless you are certain that the site is completely secure. Secure sites keep your card information safe. in addition, you should ignore any emails that ask you for your card information, because these are attempts to collect your information.

Purchases with credit cards should never be attempted from a public computer. Information is sometimes stored on public computers. if you use these types of computers, you are setting yourself up. Only use your personal computer to make purchases.

Be sure to read all of the details when considering a card with an introductory rate or doing a balance transfer. Understand exactly what the terms mean. in general, after the introductory period has ended, these credit card providers will start to charge you extortionate interest rates and administration fees. know what you are getting into prior to signing on the bottom line.

Avoid purchasing items out of your budget with a credit card. never buy anything that you will eventually have trouble paying for.

If you see any suspicious charges to your credit card, call your credit card company right away. this will give the company a greater possibility of catching the perpetrator. It’s also the most efficient way to limit the liability you face for the incurred charges. Fraudulent charges can usually be reported by making a phone call or sending an email to the credit card company.

If you are having trouble making your payment, inform the credit card company immediately. if you are at risk of being unable to make payments in a timely manner, the credit card issuer will usually try to arrange a payment plan that you can stick to. Doing so means they may not report your late payments.

Don’t apply for every possible credit card. Keeping a large number of cards on hand serves to complicate your financial life. also, when your credit is not secured, you may acquire tons of debt.

Watch out for changes to the terms and conditions on your cards. Nowadays, many companies frequently change their terms and conditions. a lot of times, these changes are not very clear and concise. do not skip anything when reading, and pay particular attention to fees or rate adjustments.

If you frequently use more than one credit card, pick the one with the lowest APR. Typically, you should use the card with the lowest interest whenever you can. try to keep the amount of your monthly debt to a minimum. At least be sure that the debt you do carry is on your cards with the lowest interest rates.

Negotiate the interest rate you pay. Work with your credit card companies to lower your interest rates. you can probably get a low APR if you have good credit and have been making all of your payments on a timely manner.

Do not fax your credit card number to anyone. Not all fax machines are located in secure locations, so you have no idea who could read the fax and note down your credit card details. Any of these people could be, or know of, a thief. Your credit card could then be used to fund criminal activity or to make unauthorized purchases by the theft.

After having secured credit cards that are in a good state, some companies will offer you cards that are unsecured. you will probably also getting other offers in your mailbox. At this time you can begin making more credit decisions.

You do not have to hesitate in asking your credit card company to raise the limit of your credit. most companies will increase the limit if their record with them is a positive one. a greater credit limit offers you increased spending ability and more flexibility over your finances.

The advice from this article has, hopefully, given you the information you need. you must be very, very careful with your credit card spending. Keep the advice of this article in mind to maximize the benefits of credit cards and minimize the risk.

How to Manage Your Credit Cards And Stay Out Of Debt

Credit cards can have a big impact on your life. whether that impact is good or bad is up to you and how you handle them. this article will give you some practical advice for getting the most out of your credit cards without them getting the most out of you.

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As a general rule, you should avoid applying for any credit cards that come with any type of free offer. More often than not, anything that you get free with credit card applications will always come with some sort of catch or hidden costs that you are sure to regret later on down the road.

Shop around for a card. Interest rates and terms can vary widely. there are also various types of cards. there are secured cards, cards that double as telephone calling cards, cards that let you either charge and pay later or they take out that charge from your account, and cards used only for charging catalog merchandise. Carefully look at the offers and know what you need.

Try your best to stay within 30 percent of the credit limit that is set on your card. part of your credit score is made up of assessing the amount of debt that you have. By staying far under your limit, you will help your rating and make sure it does not start to dip.

Even if you cannot make your minimum monthly payment on a credit card, you should pay something. No matter how modest the amount, this will tell your credit card company that you are trying to deal fairly with them. if your problems continue, you will find your company more inclined to work with you if you have been making at least some payments.

When offered a credit card with a freebie, be sure to make sure that you check all of the terms of the offer before applying. this is critical, because the free items may be covering up things such as, a yearly fee of an obscene amount. It is always important to read the fine print, and not be swayed by free items.

When it comes to credit cards, be sure that you have your budget planned out. this way, you will have the money to pay off your debt by the time that your bill is due. One of the worst things that you can do is to fall behind on your credit card payments.

If you are going to be applying for your first credit card ever, you must be aware that your credit limit will probably be low. Many beginners think that with their good credit, they will get a high limit. in reality, companies want to make sure you can afford to pay your current limit, before offering you a higher one.

Having the right habits and proper behaviors, takes the risk and stress out of credit cards. if you apply what you have learned from this article, you can use them as tools towards a better life. Otherwise, they can be a temptation that you will eventually succumb to and then regret it.

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