Credit Cards - The Shocking Truth Video

http://creditcardtruth.com Before you waste thousands or even tens of ?thousands of dollars on hidden penalties and fees ?there's something you REALLY need to know:
That Zero Percent (Or No Annual Fee) Credit Card You're About To Apply For Might Really Be a Wolf In Sheep's Clothing And If You Set That Seductive Little Plastic?Monster Loose on Your Bank Account Without Protection... He'll Devour Your Hard Earned Money Faster Than a Sirloin Roast in a Gourmet Butcher's Shop.On the other hand, if you follow these our easy steps to avoid common traps (and choose the card that's right for you)... you just might get some very welcome financial relief.
At Credit Card Truth, we're a group of psychologists, researchers and ordinary business people fed up with how badly credit card companies treat their customers.
So we hired a research team to review over a hundred zero percent and no annual fee offers...and what they found could easily save you thousands in unnecessary interest, fees, and penalties. So pay close attention while we talk about:
Avoiding The 4 Most Dangerous Zero Percent Traps
ZERO PERCENT CARD TRAP 1: THE BALANCE TRANSFER SHELL GAME
IN MANY OFFERS THE ZERO PERCENT RATE APPLIES ONLY TO BALANCE TRANSFERS: Here's how this works...
Interest on NEW PURCHASES is charged at a much higher rate...
There's often a "new purchases minimum" required each month to keep your zero percent rate ...
And balance transfer fees can be as high as 3%
TO BEAT THE SHELL GAME ...
Try to pay off your new purchases each month in full...
Include something extra to pay down your balance when you can...
And when there's a balance transfer fee, be sure it's less than what you'll save by using the zero percent rate!
ZERO PERCENT CARD TRAP 2: TIME'S UP -- THANKS FOR PLAYING![Consider picture of some guy playing a kind of 'Beat the Clock' game ... have to find some way of agitating the time pressure and associating it with financial loss]
The 0% rate is almost always for a very specific promotional period: usually from 3 months - 1 year... then your rate skyrockets to as much as 20% (sometimes higher)
BUT, THE TIME'S UP TRAP IS PRETTY EASY TO BEAT: You see... credit card companies make their money on people who forget so just:
Mark the expiration date on your calendar
Make a definite plan to pay off your balance before then...
And APPLY for the card with the longest promotional period AND lowest interest rate you can get...
Which brings us to...
ZERO PERCENT TRAP #3: HEY NOBODY'S PERFECT (Too Bad You've Gotta Be!)
Watch out for something called the Universal Credit Default rule.
Because if you're even one day late?or God forbid you miss a payment?most companies can revoke your 0% rate AND hit you with substantial penalties
This isn't a problem if you're organized and pay on time... but if you don't, it can erase everything you saved during the zero percent period
ZERO PERCENT TRAP #4: SORRY -- WE CHANGED OUR MINDS! [need picture of a guy with a real "what the fuck?" look on his face here]
Yes, that's right. Most credit cards reserve the right to change their terms and conditions whenever they want to... one letter in the mail to you is all it takes...
The GOOD NEWS is, these companies make enough money on the other traps above that they usually don't need to... but you should watch the mail for it anyway.
If you DO get a change of terms document call customer service and ask
How it impacts you
If these changes can be waived for your account (you'll be surprised how many will comply in order to avoid consumer complaints)
Last thing...
There's Also A Catch With No Annual Fee Cards
THE NO-REWARDS GAME [Consider visual of a guy who runs a carnival game standing in front of all the prizes with his arms crossed and nodding his head smugly back and forth to say NO]
Many No Annual Fee cards also offer NO REWARDS
Which isn't a big deal if you don't plan to use the card much...
But if you're gonna put a lot of volume through, you might be better off paying the fee... do the math!
Anyway...those are the major traps.
SUMMARY: How to Beat the Major Credit Card Traps
Pay off new purchases in full each month...
Include extra to pay down your balance...
Be sure the zero percent interest rate is worth more than the balance transfer fee ...
Get the longest low-interest rate promotional period you qualify for...
Look for the lowest rate you can find...
Mark the expiration date on your calendar and make a definite plan to pay off your balance beforehand...
Pay your bill early, every month, like clockwork
Watch for change of terms notices in the mail and call customer service if you get one
http://creditcardtruth.com

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