I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!

Note: The following is part 1 of a 5 part series. Over the course of these next 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This information, when used in conjunction with one another, is unlike anything youve ever seen before. I like to call this approach, the 5 SuperCharged Secrets to Credit Card Utopia.

1. SECRET 1: I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!

2. SECRET 2: INTEREST BEWARE, THERES SAFETY IN NUMBERS!

3. SECRET 3: TURBO-CHARGED KILLER RATE SAVING INFORMATION!

4. SECRET 4: YOU SCRATCH MY BACK, AND ILL BUY SOME MORE BEER!

5. SECRET 5: LIVING IN CREDIT CARD UTOPIA

Without further Ado, lets get started:

SECRET 1: I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!

1) How would you like a zero interest credit card?

WHAT? Did you say ZERO interest? Thats like 0.00%, or .0000000%, or nothing, or nada, or no interest? Tom! Cant be!!!

2) Actually, thats exactly what I mean.

You can have zero interest on a perfect day, or, can you live with 4% interest? I just received a credit card offer for 4% interest (which I turned down), but if I needed it, that is completely reasonable, dont you think?

3) You see, you are the consumer, and you have Low-Rate Super Powers!

This is a hot, credit-hungry market were in. There are banks and lending institutions that would do just about anything to entice you in to their little web of plastic loanery.

4) Heres Secret #1 revealed:

Credit Card companies are competing with each other, by offering consumers like us, low-interest, to no interest, balance transfers on already existing debt. Granted, these are usually (but not always) limited to a time period like 6 months

But, what do you care? 6 months of zero interest is certainly MUCH better than 6 months of 19% interest, RIGHT?

5) The first, most important thing you need to do, is examine if you have outstanding balances on other credit cards. If you do, then wisen up!

Let me be your Dad for a secondStop being lazy! Go shop for a new credit card, and ask them if they offer balance transfer opportunities. Virtually ALL OF THEM DO! When you get the answer youre looking for, apply. Theyll send you a nifty letter in the mail with a bunch of blank checks. Have a feel day! Go pay off your other credit cards, transfer the balances, and start enjoying zero to low interest! Pretty cool, huh?

6) But TOM, what do I do in six months?

Oh please. You know what you need to do. Mark your calendar, or your Franklin Covey, or your PDA, or whatever you use, and repeat the procedure again in 6 months (hot-tip: look for no-time limit zero interest balance transfers.)

This is easy stuff, folks. But it does take a couple extra steps.

Thats why people ARENT DOING IT, if you can believe that!

Well, its your turn to be the smart consumer, right? Take this BIG, HUGE, sensible first step, and you are well on your way to the pearly gates of Credit Card Utopia!

Weve enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.

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