Master The Card

Congratulations! You are out of credit card debt!!

“What?”

That’s right. Your balance is zero…on MasterCard, Visa, Discover, American Express, all the department and specialty store cards, gas cards…………………………..ZERO!

“How can that be? I owe $2,000 on MasterCard, $5,000 on Visa, $750 on Discover, and those are just the ones I remember right off the top of my head.”

I know. Been there. You see no way out because all you can see is due dates and minimum payments. It’s frustrating; it’s overwhelming; at its extreme, it’s scary. Maybe you’re getting phone calls from collection agencies. They like to threaten, don’t they?

“What can I do? Where can I turn?”

Congratulations! You are out of credit card debt!!

“What?”

That’s right. Your balance is zero…on MasterCard, Visa, Discover, American Express, all the department and specialty store cards, gas cards…………………………..ZERO!

“How can that be? I owe $2,000 on MasterCard, $5,000 on Visa, $750 on Discover, and those are just the ones I remember right off the top of my head.”

I know. Been there. You see no way out because all you can see is due dates and minimum payments. It’s frustrating; it’s overwhelming; at its extreme, it’s scary. Maybe you’re getting phone calls from collection agencies. They like to threaten, don’t they?

“What can I do? Where can I turn?”

No, I did not go “cold turkey” that first year, but that’s OK. You can’t completely change a habit overnight. Twelve times is certainly a step in the right direction. And guess what? I did go “cold turkey” during my second year and have done so at other times since then, too. I do use credit cards occasionally, but I don’t remember the last time that I incurred a finance charge. Presently, I have a balance of zero on the two credit cards I carry.

Also, my FICO score was 820 the last time I checked. That is on a scale of 300 to 850 (with 850 being the best score that one can attain.) I don’t write this to impress you. I write it to show that with determination and persistence, you can be free of the albatross that is credit card debt. In fact, when I was mired in debt, I had no idea what my FICO score was (nor would I have wanted to know in all likelihood – it probably would have been down near the low end of the scale.) For more information on FICO and credit reports, go to www.annualcreditreport.com.

I did know what a minimum payment was. It was all I could afford. I did know what an “interest rate” was. I was quite familiar with numbers like 16.9%, 18.9%, 22.9%, etc. Now, suffice it to say that my FICO score is my friend and interest rates are “strangers.”

I did it! And you will too!!

That’s where this book comes in. Becoming debt-free is a step-by-step process. It takes time, determination, and a belief that you no longer have to be “a slave to the lender,” to borrow from the Book of Proverbs in the Bible.

I have written this book to illustrate how I got out of debt. In Chapters 1 through 5, I explain the proven methods that will free anyone from credit card debt, whether you owe $2,000, $20,000, more, or less. Then, beginning with Chapter 6, you’ll see how much brighter your future can be! See how much more you can do…for yourself and others. Ultimately, you will see that your credit card debt has taught you a lesson. Remember when your parents and teachers used to say, “Let that be a lesson to you”? Well, this lesson is not meant to “hit you over the head” or put you on the entrance ramp for a guilt trip. It’s meant to teach you that credit card debt is unnecessary and to inspire you to make it a thing of the past.

I want to help you get out of credit card debt, just as I helped my wife and others get out. That is – if you want help. There’s an old adage – “When the student is ready, the teacher appears.”

If you are ready, “class” is in session.