ADVANCED (Step 3):
Can't Live With It and Can't Live Without It
How to Reduce the Annual Bonus of a Visa Exec
Ouch, the cuts and scrapes from your financial "accidents"
their toll. You should be focusing on your school work. Unfortunately,
you can't sleep at night worrying over how to pay your bills. You
laugh at the bumper sticker that exclaims "I pay Visa with
Yeah, debt sucks. But, it's no reason to give up. Time for financial
therapy and use of the advanced tricks of the credit card trade.
situation is serious--maybe desperate--but not one that requires
action. At least not yet.
In this step, we discuss how to cope with serious
credit card debt and
the strategies for surviving financial difficulty. These include
card "shuffle," debit card and checking account "over
programs, the cheapest ways to use "courtesy checks,"
effectiveness of credit card security, life insurance, and unemployment
insurance programs, how to stop an increase in your credit card
rate and penalty fees, how to respond to rejection for credit cards,
to obtain "secured" credit cards, how to improve your
score," consumer rights when pursued by debt collectors, how
and correct your credit report, when you can negotiate lower finance
charges, refinancing credit card debt, and the most
Also, a sample letter is provided for contesting
a policy of your credit
card company or other agencies for filing a consumer complaint.
those whose financial situation requires immediate professional
assistance, we offer suggestions for finding a reputable and inexpensive
consumer credit counseling company near you.
And, in our quest for your financial empowerment,
this step requires a
fee of only $10, much less than the "courtesy" check fee
that you now
will not have to pay.
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