YOU SCRAP MY BACK AND I’LL BUY MORE BEER!
Let’s take a brief moment to recap:
If you’ve been following this journey with me, learning the 5 super charged secrets of the credit card utopia, then now you know 3 very important things:
- Now you know how to take advantage of zero or low interest credit card offers.
- Now you know there is safety in numbers and you know the magical “Who’s Who” of the major credit card companies. You know that one of them, in my opinion, stands out for consumers.
- Now you know how to take a low-interest credit card with a rewards program and turn it into a money-making technology that could seriously improve your financial home.
With me? Well. These are all essential foundations that you must follow in order to live in the credit card utopia with me.
In fact, you would think that not much more can be done.
Side note: I hope you are realizing the power of this information.
It may sound simple, but are you doing it? No. So, be smart. Study this information, reflect on this knowledge, and move on to it so that you can really benefit from this secret knowledge.
In secret, n. 4:
1) It is very important that utopians cover all the bases and leave no one behind.
The 3 secrets we’ve covered really do deal with those of us who have pretty good credit.
Now if you don’t have “good” credit, don’t discount these earlier ideas.
I didn’t have “good credit” once. Who cares? How many people, small businesses, corporations, and large industrial countries, have said exactly the same thing?
2) So don’t feel left out.
Move towards the utopia of credit cards as a goal for you to take action.
Our website (and many other great websites on the Internet) can provide you with many, many resources to work through your debt problems, your credit score problems, or whatever.
You may be surprised how QUICK you can go from point A to point B.
(Here’s a tip: don’t waste time. Get help. Don’t go it alone).
3) Getting back on track: Do you want an interest-free credit offer? Want a low-interest incentive-based offer with no annual fee?
Well, if you have problems with credit or debt, the first step is to approach this problem from a different point of view.
Give up Visa®, MasterCard® and AMEX® … At least the “unsecured” kind, and at least for now.
There is nothing wrong with applying and trying, but if you have been rejected, there are other ways to do it.
4) Secret # 4, revealed in an analogy:
Do you live in a small town? If you do, you may have a pub in a small town. Does everyone know your name? Does the bartender know you and know what drink you like? Do you walk into your pub after work and have a stiff one, after a long day at work in the coal mines? Maybe it’s not payday yet. Do you think the bartender cares? Of course not! He wants you to come so he can move his inventory of beers and fine spirits. He knows you. So what does he do? Let’s say we are in the nineteenth century and there are no “credit cards” among our little clan of small towns that work coal. What does he do?
Right! It keeps you an account.
No interest rates, no worries, no big hassle. Manage a tab. Why? Because he knows you’re good at it and he’s moving inventory. You don’t care about the interest, because you are making a profit on the sale of your beer. He knows where you live, and he knows that you will pay him back in a few days when you come for a drink after you get paid. It is a virtual certainty.
Now YOU, the small-town beer-drinking coal worker, are perfectly fine with this. The drink costs you the same whether you had cash now or later, and the bartender pays you a bill in exchange for selling you more inventory. They all work together.
If you scratch my back, I’ll buy more beer.
5) This concept of free “credit” provided to purchase inventory is not a new concept.
As you can see, it has been around for a long, long time. However, in modern times, it has a great application for people with “bad” credit problems.
The secret is that you buy merchandise (about things you already need, or are already buying) almost exclusively from merchants willing to give you credit at little or no interest.
So while you think you’re in a tough spot with credit problems, you’re actually turning it around and allowing it to become consumer purchasing power.
Buy only from merchants who scratch your back.
With me?
6) Now, where do you find these merchants?
Well, in the real brick and mortar world, it’s not that difficult.
You can start with department stores, gas cards, furniture stores, electronics stores, jewelry stores, and a variety of other stores that you can do business with.
I cannot guarantee, of course, that you will be approved. But many of these merchants manage their credit departments in-house and, like our waiter, are interested in moving inventory.
Therefore, it would not take “no” to mean that everyone will say “no.” Is not true.
Many of the larger corporate chains do not offer low or zero interest rates. But almost EVERYONE offers deep discounts on initial purchases as incentives to get started.
At the time of writing, for example, JCPenney® and Target® offer 10% discounts on “new accounts.” Also, most of them offer zero interest when balances are settled each month, and some of them offer different plans to meet different credit situations of customers.
Also, look for special interest-free incentive deals on many higher-priced items. Televisions, Furniture, etc.
You will also find many deferred payment incentives that you can use to your advantage or that you can use as an interest-free situation.
You just have to shop around. They are out there.
7) Now, what about cyberspace? Is there a place to tap into this back scratching secret in Silicon? Currently, yes! There are. Look at this:
Many online shopping portals have found the benefit of working with “bad” credit customers and creating a shopping experience that is tailored to these specialized needs. We have listed several on our website, but of course you can find them on any search engine or other trusted websites on the internet.
Simply put, the shopping website offers a membership card to make purchases on credit. You go to the online mall, buy things you would already buy anyway, and build or rebuild your credit score. The shopping portal helps you by reporting your credit activity to the main credit bureau, which in turn improves your credit history.
Plus, membership benefits often include things like travel discounts, car rental discounts, and FREE credit reports.
They almost always advertise guaranteed lines of credit of up to $ 7,500, and incentives to join can include free merchandise (like a free DVD player) or a merchandise voucher.
Look for 30-day money-back guarantees and don’t look for annual fees, and yes, look for “NO INTEREST” on credit.
Most of these sites require a membership fee up front, but then immediately turn around and provide a merchandise coupon. For example, a portal charges $ 150 for the initial membership fee, but then immediately provides a $ 200 coupon for merchandise on its site.
Because your customers generally have poor credit history, they sometimes require a down payment or a “down payment” on purchases until a relationship is established, but listen up. And that? If you have credit problems, you should start rebuilding credit relationships somewhere. It sure beats Layaway!
What a creative way to solve this problem. Everybody wins.
You scratch my back and I’ll buy more beer!
Meanwhile, you are getting closer and closer to the pearly doors of the credit card utopia!
We have enjoyed providing you with this information and wish you the best of luck in your endeavors. Remember to always seek good advice from those you trust and never turn your back on your own common sense.
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