Here's the truth: You need insider knowledge to beat credit card companies. When a neighbor stopped by (she's a teacher) and I began revealing this story and their secrets, her eyes opened wide and she sat down to listen. "I need this kind of information," Jen said.
Maybe, like her, you've been spending too much money on finance charges and going through stress or hassles with your credit cards. Maybe you've been hit with unexpected fees or "re-pricing." Then I have bad news for you.
Don't be fooled by their funny commercials. These companies are dead serious about bleeding you dry. You can only protect yourself from their errors and their malice when you discover their secrets—secrets revealed by an industry insider—and outsmart them.
It's Called Outsource DISCONNECT.
Here's The True Story Of What Really Happens, And How You Can Put It To Work For YOU.
Dear Friend,
You're about to go deep inside the twisted world of big credit card companies.
And listen, this is the real story. . . a true story from someone who has seen it from the inside, learned how it all works, helped all types of people save thousands of dollars, and is willing to reveal these secrets to you.
$200,000.00 SAVED
Actually that's conservative. He estimates it was more. Closer to $400,000.00.
That's how much this insider has saved people in all types of situations regardless of whether they were single or married, stay-at-home parents or small business owners.
Money they would have handed over to some credit card company for no good reason. Yet credit card companies make a lot of mistakes. So it's not hard to outsmart credit card companies once you know how.
Yet before we go further, we need to set the record straight.
We're only at the beginning of this and you've already seen big numbers. And if I were you, I'd be wondering. . .
Is This A Bunch of Hype?
And you're absolutely right to ask that question.
Look, if I didn't know this person is telling the truth; if I hadn't heard the stories for the last two years and used some of these strategies myself, there's no way I'd believe you could level
the playing field with credit card companies or save so much money in dealing with them.
And whenever I buy anything off an Internet site like this one, I'm always suspicious until I get the product and examine it for myself.
Despite the fact that I would like it to be otherwise, I'm always expecting to get ripped off. I don't know why, because so far I've been lucky, but I think it's just human nature.
So let me put your mind at ease by pulling back the curtain right now and showing you exactly what happened and how that $400,000.00 was saved.
I can do that because I've got the person who did it right here beside me as I write this.
And to talk to this person is to hear about amazing successes in saving people money, about some failures, and about everything in-between.
For the first time ever,
Here's The "Back Story" Behind How It All Works and How You Can Save A Bunch Of Money
I know you've heard other people say they know credit card secrets that will save you money. The question to ask is: how many of them
have worked inside this industry?
How many have worked with clients day in and day out providing solutions? Or have they just read "general advice" articles that you can find on the Internet yourself?
So right now I'm going to break it all down for you and show you what really happened, the types of clients involved, their dilemnas, and how much money was really saved.
Before I do, here's a bit of "housekeeping."
Text size on this page varies. Should you have difficulty reading anything, just go up to the top left corner of your browser window, click on View choose Text Size and pick Larger or Largest and it will be easy to read!
Let's begin.
First off, that four hundred thousand dollars wasn't saved by just one or two or ten or even twenty people.
It was spread out among a lot of clients. You probably figured that out.
The question is: how many?
Is this something where forty thousand people each saved ten bucks?
NO. Because that would be a joke. And you'd have every right to be ticked off at being misled.
And these savings are not based on advice given to clients to "just charge less" on their credit cards. Because that's just a no-brainer.
Of course you'll save money if you make fewer purchases and charge less.
Duh.
The truth is that the $400,000.00 was saved by around nineteen hundred people.
Some were doing pretty well financially and just resented being ripped off.
The majority of them were having troubles.
All received initial one-time advice with a specific strategy for a specific situation.
A fair number of them only saved about forty bucks. Most of these just got a late fee or over limit fee waived.
Some saved a thousand dollars or more. For instance, on January 30, 2008 a man in Las Vegas saved exactly $4,000.00 by following advice to make one phone call and I'll tell you his story in a moment.
So the amount that each of those people saved varied. However, the average was around $100.00 to $200.00 which, frankly, doesn't sound like a lot.
Yet had they been able to get all the strategies that you're going to get, they could have saved a lot more and, over time, gone on to even greater savings.
They only had one shot to have one or two strategies revealed to them which were specifically geared to the sticky situations they were in.
The truth is, there's a whole different approach you have to take if you want to turn the tables on your credit card company.
However, once you discover it... it will work like a charm for you.
First off, let me divulge the truth about how your credit card company sees YOU.
Paying our bills off and being financially responsible has always been an American value. Yet when you pay off your account in full each month, Big Management calls you "a freeloader" because you don't pay interest charges.
And Big Management laughs all the way to the bank when they hear frustrated people say that they will "punish" their credit card companies for ripping them off by not paying off what they owe or by making a minimum payment when they could pay more.
Because that's EXACTLY what credit card companies WANT you to do. Everything they do is structured to get you into debt and keep you there. They want customers who NEVER pay off their accounts. And they have strategies for seeing to it that you become a perpetual "income stream."
So you owe it to yourself to discover what they're doing - and how their strategies work to make as much money as possible off you.
The thing is, they are so clever - and spend so much of your money hiring expensive consultants to devise traps - that you won't know you've been trapped until it's too late.
People wind up paying hundreds of dollars for some dubious "authorization" that they either didn't realize they okayed or signed up for because they were led to believe it was "required" as part of their accounts.
But no one wants to hand credit card companies hundreds of dollars unnecessarily and not find out about it until it's too late. Credit card companies already are already more profitable than McDonald's. And they made $6,000,000,000.00 in FEES alone in 2007.
Yet call centers receive monetary incentives to trap you into debt and get you to buy into "recurring charges" that will be billed to your account month after month.
So you need to know the tricks now. Because I don't have to tell you that it's a lot harder - and sometimes impossible - to get a refund for some mistaken authorization that was made months ago, not to mention the aggravation and time it takes to try.
TRUE STORY: How He Saved $4,000.00
So what about the guy who made the phone call and saved $4,000.00? This is how that happened:
He tried to use his card at a casino to get a cash advance.
The casino swiped his card several times because they said it "wasn't going through" (and you'll find out why that is just deadly and what to do
about a card that "doesn't go through") however, after the casino cashier swiped it for about the fifth time, she said: "Your card's been declined."
The guy didn't understand and didn't know what to do. He thought he had more than four thousand in credit left. But his card was dead. He called his credit card company and was told: "Sir, we show you got a cash advance for
$4,000.00.
He said: "But they said it wasn't approved. And they didn't give me the money."
He thought he was out of luck until he talked to an insider.
So What Happened?
He found out he could get a conference call with the casino on one line and his credit card company on another and get them communicating together.
He learned that the only way to get things straightened out was to get the casino cashier to tell the credit card representative to cancel the cash advance.
He discovered that, because the casino had no signed receipt from him confirming he had received the money, the casino couldn't refuse this request at that point.
He found out he had to make this phone call immediately because he had only four days from the date of the original transaction to get this thing cancelled before it turned
into a bureaucratic nightmare.
He learned that if he waited, it would require a mountain of documentation to straighten out. In fact, that he might never get the $4,000.00 back or, at the very least, he would pay a pile of interest on
money he hadn't received.
So he made the call immediately, the cash advance was cancelled and his card was restored.
WHO DID HE TALK TO?
Who revealed the exact steps he needed to get his $4000.00 back, avoid a bureaucratic nightmare, and save the ton of interest he would have paid during the fight to get his money back?
You guessed it: the same person who's going to reveal insider strategies for saving money, avoiding hassles and leveling the playing field with your credit card company to YOU.
If you're thinking well, that's an extreme case, that kind of thing will never happen to me you are totally justified in thinking that.
Any reasonable person would think: That was just crazy. A fluke. Or the guy was being careless.
The thing is, you would not believe how many accounts are mishandled and how people find themselves with huge problems they didn't cause and don't know how to fix.
Problems that no reasonable person would ever expect to be hit with.
But one thing I've learned is that there are crazy things going on inside the credit card industry. And they are hitting a lot of people with ugly surprises.
Also - and this is really no surprise to most people - in regard to what people pay credit card companies even without dramatic foul-ups:
NEARLY EVERYONE PAYS TOO MUCH.
Look at these typical fees:
Ongoing Interest Charges: $100.00's to $1,000.00's per year
Front End Finance Charges: $5.00 to $100.00's per year
Credit Info or “Identity Theft” Programs: $8.95 monthly
“Payment Protection” Programs: to $100.00’s monthly
Pay By Phone Charges: $5.00 to $15.00 per payment
Return Check Fees: $29.00 to $39.00 per check
Fast Card Fees: $15.00 to $20.00 per incident
Over limit Charges: $10.00 to $39.00 per hit
Membership Fee: $10.00 to $79.00 per year
Late Charges: $19.00 to $39.00 per hit
You Can Avoid Or Recover These Fees
How do I know?
An insider told me.
The Revelation Of Insider Knowledge
"Agent 0016," who I've mentioned (and I'm finally giving this person a name so I don't have to write this as though I'm the expert) works in a Canadian center that
services U.S. customers.
As I've already explained, "Agent 0016" began sharing "horror stories" with me about how customers are being manipulated into paying interest fees and charges.
The more I heard, the more strongly
I felt that this information needed to get out.
What I didn't tell you is that "Agent 0016" said: "I'm not a writer. I wouldn't know how to begin."
So I said: "Write it down as if you were telling me. If it's as helpful as I think it will be, I'll edit it and put it on-line under my name, because people need to find out the insider secrets you know."
As a result I'm able to offer you something that you won't find anywhere else, even though I'm scared to death.
The thing is, this is a real departure for me. Those of you who know me know that I've had a free prayer site up since 2003 which was the extent of my involvement with the Internet.
So when I realized that this person could not do this without my help I was immediately worried about what people would think about me.
I know it sounds egoistic, but I thought: What happens when they realize I'm the same person who wrote that book of prayers? Won't they think I'm some sort of hypocrite? Won't I lose my credibility?
I mean, if my first concern is being a good person and helping people find comfort through prayer, then what am I doing getting involved with something called "Credit Card Secrets?" I mean, honestly, it sounds just a little bit shady, doesn't it?
Then my stepson told me this web page looks like "a spam site."
Ouch. That stung.
So despite all the work I had done, I thought about abandoning this project right then. Then I looked around again at how many people are being hurt financially and I thought: "I've got to do this."
So I've had to go through some soul searching to get to this point where I can accept that getting this information out is more important than whether someone thinks I'm being sleazy by promoting it.
But the name Credit Card Secrets isn't the worst of it, as you probably suspect. The worst is having to refer to "Agent 0016."
The Price of Getting Insider Secrets
Now, if you weren't sure, it's time for me to be straight with you: insider secrets come at a cost.
For instance, this person's identity must remain secret because this person is, essentially, a whistleblower. And "Agent 0016" - a reference to the sixteen digits on every credit card - will only be able to bring you more information in the future if we
keep it this way.
Now, you and I both know that the name "Agent 0016" sounds cheesy.
Yet, while the name is like something out of a fifties spy novel, the information is current and bang on.
You can see that you're going to get strategies that work.
Still, all you really have is my word for it.
So here's a video where you can get some feeling for who I am. To start it, click on the "play" button twice.
It's about three minutes. You may hear the geese and ducks in the background.
I admit the video's not "Internet savvy" and is probably too long. And while I tried to mix it up so it wouldn't put you to sleep, it still might.
Anyway, take a look and just stop it after you get a feel for who I am. Because I am not the story, just the messenger.
Your opportunity to Save money, avoid hassles, and gain equal footing with credit card companies - that's the real story.
Using Outsource Disconnect principles and insider secrets to avoid being put through the ringer is what really matters. The point is:
START SAVING MONEY TODAY
If you’re being sucked dry by credit card charges or you’re having trouble paying your bills, then you cannot afford to pass up this information because you will learn how to:
Save on finance charges
Get fees and penalties waived
Lower your monthly payment
Get “re-priced” terms reversed
Avoid front end charges and pricing mistakes
Increase your credit and lower your interest rates
Make informed decisions about "protection" products
A SAMPLE OF WHAT YOU'LL DISCOVER:
Do you know when to make your monthly payment so it counts the most? Find out on page 96.
Do you think you understand how finance charges work? You'll be surprised by the information on pages 36 through 43.
Do you understand what a "grace period" really is?
Most customers, and even some credit card agents don't understand it, but you will after reading pages 47 to 49.
Do you know that, in the wrong circumstances, one unpaid dollar can cost you hundreds or even thousands of dollars?
Find out how it happens on pages 49 and 50 and never make this mistake.
Are you planning to use a balance transfer from one account to pay off another?
If you don't find out the hidden traps on pages 69 to 73 and how to avoid them, you'll pay more interest than if you never did a balance transfer at all.
Do you know what's built into your account to allow you to go over limit?
If you read page 102 you’ll be able to avoid this forever.
Do you know the main reason cardholders get socked with over limit fees, even when they think they're doing everything right?
Pages 104 through 106 will unlock the puzzle.
Are you or your spouse on “active duty” in the military?
There’s fantastic news for you on page 115.
Are you getting dinged for late charges?
On pages 51 and 52 you'll discover how to avoid these cash drains forever.
Do you know how much carrying a balance costs you?
Look at pages 48 and 50, if you dare, then use "Agent 0016's" strategies to get out of debt.
Do you know how to get a credit card agent on your side so he or she waives your fees?
Learn the "magic formula" on page 93.
Are you going through a divorce?
Pages 149 through 151 are a must read that may save you money and heartbreak!
Do you know how to prevent hotel overcharges?
It can be too late once you return from a trip. Find out before you go on page 157.
Will you slink away if your card is declined by a retailer?
Find out what you must do instead on pages 165 through 170, and why.
Do you have a bad credit history on your credit card?
Follow the steps on pages 109 through 111 and make it disappear.
Do you think "closing" an account will protect you?
Read pages 152 to 154 first to make sure you don't find yourself a victim of these costly company procedures.
Have you been told that cutting up a credit card is a good idea?
Discover on pages 154-155 why it's actually a bad idea.
Are you thinking of moving?
Find out on page 174 what you must do to protect yourself from identity theft.
Do you really know what those "payment protection" services cover? Or, more importantly, what they don't cover?
The truth that credit card companies will not tell you until after you buy the product and apply for benefits is revealed on pages 129 through 137.
Are your kids clamoring to be added to your credit card account?
Find out a better solution on page 148.
Do you know the common lender practice that puts the security of your credit card at risk?
Find out what it is and how to stop it on page 147.
AGENT 0016 REVEALS:
How to get call center employees on your side
How to evaluate credit card offers
Strategies to decrease credit card debt
How NOT to get stung by balance transfers on credit cards
How to stop late fees, over limits & high interest rates
How to stop credit card companies from wasting your time
Strategies that put you in control instead of them
OVER 101 INSIDER TIPS AND TRICKS THAT WILL:
SAVE YOU MONEY
HELP YOU AVOID CREDIT CARD HASSLES
PROTECT YOU, YOUR IDENTITY, AND YOUR CREDIT
SHOW YOU HOW TO MAKE MONEY USING YOUR CREDIT CARD
BONUSES!
If you're in debt, along with discovering secrets and strategies for escaping that debt, you need emotional relief from the stress you're under. That's why I'm including:
BONUS #1 - MINI BOOK
30 Prayers For Financial Healing
FEEL GOOD! Thirty inspiring prayers are yours as a special gift for ordering Money-Saving Credit Card Secrets.
Habit can either be our best friend or our worst enemy, depending upon the habits we have.
My prosperity prayers are designed to change your mental habits so you're filled with positive energy.
They'll help you develop the habit of believing you CAN get out of debt.
Belief is the first step. Believe you cannot succeed and you won't. Believe you can, and you will!
The Value of Comfort & Strength? Priceless.
OR
BONUS #2
30 Affirmations For Financial Healing
For those who are not comfortable with prayer, claim these 30 empowering prosperity affirmations because whether your choice is to use prayer or just positive thinking, it's important that you feed your mind a diet of success.
Is This You?
Are you carrying credit card debt? The average American carries somewhere around eight thousand dollars in credit card debt and it's getting worse. As that debt is carried over a lifetime, it costs each family thousands - even tens of thousands
of dollars - that are just thrown away.
Could you use that money for yourself over the next several years, instead of handing it over to some corporation whose CEO and shareholders live in mansions at your expense?
Are you tired of working harder and harder just to see yourself fall further and further behind?
Jump Ahead Five Years.
Your credit card company keeps hitting you with ugly surprises. Five years ago you never dreamed your interest rate would be so high. You're so deep in debt you can't imagine ever getting out. You're about
to wind up in collections and you realize that you could lose everything you've worked so hard for. You can barely afford the necessities. You're stressed out to the max. Your health is suffering. Your family is miserable. You feel like a failure. You're frustrated, scared and wonder
how you ever got where you are.
Think About How You Would Like This To Have Gone.
You invested in Money Saving Credit Card Secrets and began outsmarting your credit card company. You lowered your interest rate without losing money in a balance transfer trap. With your interest rate lowered, you used little-known strategies to pay down your debt faster.
Now, at the end of five years, you're free. You never pay a cent in interest or late fees. The money you earn is your own. Your heath is better and your relationships are happier because you're in control of your life instead
of being manipulated by credit card companies.
What will it mean to you and your family to have this kind of insider knowledge NOW?
Debt equals STRESS. And the less stress you're under, the better your health, the better your choices, and the better your relationships will be this year, next year and five years from now.
So Get The Insider Secrets You Need To Fight Back
Money-Saving Credit Card Secrets
198 pages of valuable insider information gathered in hundreds of hours of research, client contact and industry experience
over 100 quick tips you can begin to use right now to save money
proven advice from someone who has helped saved hundreds of people money.
Plus Your Choice Of Bonus:
"Mini-Book" of 30 prayers for financial healing OR
30 Prosperity Affirmations
As A Savvy Person, You Know How Much This Kind Of Insider Knowledge Is Worth.
$99.00 would be a deal because this is an investment that will keep on giving financial returns to you in terms of savings.
You know how much financial products cost and how Insider Knowledge gives you a big advantage over those without it.
And you can tell that this is no piece of "fluff" that someone outside the industry threw together.
Hundreds of hours have been poured into making this valuable, comprehensive and eye-opening material easy to understand and apply. (All of 2007 was dedicated to it.)
Because this information is so valuable and necessary, we're giving it away at just a fraction of time and money you'd spend trying to pull this information together on your own.
In fact, you couldn't do it. You couldn't find out most of what is revealed without working inside the industry yourself. And what kind of investment would that take?
$99.00
More than that.
Yet here's the deal:
$27
That's it. Because we want you as a "raving fan" who recommends us to everyone so our Insider Secrets, Tips, Tricks and Strategies get out to as many people as possible.
Money-Saving Credit Card Secrets comes with a 60-Day ** ** no risk, unconditional 100% money-back guarantee ** **. If you don't find Money Saving Credit Card Secrets
to be everything I've said it is, then "Agent 0016" insists you receive a full refund. That's why this offer has my "seal of approval."
Lastly, as a U.S. citizen, I know that the long-term solution for credit card problems in the U.S. rests with the U.S. Congress. After years of seeing Congress cave in to credit card industry lobbyists, Senators Carl Levin, (D-Michigan) and Claire McCaskill (D-Missouri)
introduced a bill to Congress to increase the transparency of credit card company operations. The provisions of the bill were:
Prohibit adding "trailing interest" charges on any portion of card debt that was paid on time and in full.
Confine rate increases on fixed-rate accounts to expirations of introductory rates or to card holders who pay late or otherwise break a card agreement. Variable-rate accounts would face similar limits, though the rate could also go up if the prime rate or other benchmark rate goes up.
Require that new interest rates apply only to debt incurred after the rate changed.
Prohibit interest charges on late fees and over-the-limit fees.
Require an issuer to offer the option of operating under a fixed credit limit that can't be exceeded.
Prohibit a fee for paying a bill by mail, phone or electronic transfer.
Require payments to be applied first to the card balance with the highest interest rate.
Bar interest charges on any portion of credit card debt that has been paid on time during a grace period.
Unfortunately, this bill never got off the ground. There just never was enough support for it given all the lobbying by credit card companies.
However, a new bill is currently working its way through Congress. It's called The Credit Card Reform Act of 2008. While it's unclear whether this bill will become law or whether all of the above items will be included in the final legislation should it be passed, the U.S. House of Representatives did pass the bill in September of 2008. It is now up to the
U.S. Senate to approve, modify, table or kill this bill.
Since the mega lenders are all major campaign contributors and have lobbyists working night and day to defeat the bill or water it down, your U.S. Senators need to hear from you NOW.
So even if you intend to leave this site without buying Money-Saving Credit Card Secrets, I urge you to copy and paste the points above into a letter and mail it to your two U.S. Senators and your U.S. Representative with a request
that they support credit card reform that includes these provisions.
To help you, I'm including two links below, one for the U.S. Senate and the other for the U.S. House of Representatives, so you can quickly find the names and addresses of your representatives and e-mail them.
Please note, however, that a real physical letter means a lot more to them because of the extra effort it takes. So I urge you to make that effort. "Cut and paste" the points above into your word processing program, print out a letter and mail it. Because while "profit" is not a dirty word in the United States, "unfairness" still is.
It's not your fault that we live in a society where we need credit cards. Yet, the less money you pay in finance charges, fees and for extra "plans," the less money they will have to lobby for laws that permanently indebt you and other consumers. So get started with Money-Saving Credit Card Secrets.
To Your Financial Well-Being,
P.S. If you haven't done it yet, go back up and order NOW because if you are carrying credit card debt, what you don't know is hurting you.
E-mail: clyo(at)moneysavingcreditcardsecrets.com
Phone: (519) 204-0995 (CANADA)
By Letter:
Money-Saving Credit Card Secrets c/o Pandia Publishing 11 Base Line Road East Unit 43027 London, Ontario N6C 5Z8 CANADA
Offer Disclaimer: This offer may be changed or withdrawn at any time. Also, any other offers, additions or bonuses that require an investment of personal time and attention by the authors are subject to withdrawal at any time if time demands exceed what can be provided in a reasonable and timely manner.
Savings disclaimer: Do not buy this if you think you can use it to cancel out your credit card debts or protect you from having to pay off what you owe.
You have to follow specific strategies to succeed in reducing your debt and in getting fees and charges waived. You have to work to succeed. The amount you save will
vary and depend on your situation. It's possible you may not save any money at all. It's possible that, in attempting to use your credit card to make money, you might even lose money.
While this product is offered to help consumers gain financial control of their credit cards and pay off credit card debt, no guarantee of success is warranted or implied. Our guarantee
to you is your right to request a full refund within 60 days of your purchase with no questions asked.
Privacy and Security Policy: Your privacy and security are as important to us as our own. Your financial information will not be kept or used for any other purpose except this
single transaction. We will not share, rent or sell your e-mail address.
SAVE YOU MONEY
