SCRATCH MY BACK AND I’LL BUY MORE BEER!
Let’s take a brief moment to recap:
If you’ve been following this journey with me, learning the 5 super-charged secrets of Credit Card Utopia, then you now know 3 very important things:
- Now you know how to take advantage of zero to low interest credit card offers.
- Now you know there’s safety in numbers and you know the magical “Who’s Who” of the major credit card companies. You already know that one of them, in my opinion, stands out among consumers.
- Now you know how to take a low-interest credit card with a rewards program and turn it into a money-making technology that could seriously improve your finances.
With me? Okay. These are all the essential fundamentals that you must follow to live in Credit-Card Utopia with me.
In fact, one would think that there is not much more that can be done.
Side note: I hope you are realizing the power of this information.
It may seem simple, but are you doing it? No. So be smart. Study this information, reflect on this knowledge and move forward with it so that you can really benefit from this secret knowledge.
In Secret, #4:
1) It is very important that utopians cover all bases and leave no one behind.
The 3 secrets we’ve covered really have to do with those of us who have pretty good credit.
Now, if you don’t have “good” credit, don’t discount these ideas above.
I didn’t have “good credit” once. Who cares? How many people, small businesses, corporations and large industrial countries have said exactly the same thing?
2) So don’t feel left out.
Move towards the credit card utopia as a goal to take action.
Our website (and many other great websites on the Internet) can provide you with many, many resources to work through your debt problems, or your credit score problems, or whatever.
You’ll be amazed at how FAST you can get from point A to point B.
(Here’s a tip: Don’t waste time. Get help. Don’t go it alone.)
3) Returning to normality: Do you want an interest-free credit offer? Want a low-interest, incentive-based offer with no annual fee?
Well, if you have problems with credit or debt, then the first step is to approach this problem from a different point of view.
Give up Visa®, MasterCard® and AMEX®… At least the “unsecured” kind, and at least for now.
There’s nothing wrong with applying and trying, but if you’ve been turned down, there are other ways to go.
4) Secret #4, revealed in an analogy:
Do you live in a small town? If you do, you might have a small town pub. Does everyone know your name? Does the bartender know you and the drink you like? Do you go to your pub after work and have a nice drink after a long day working in the coal mines? Maybe it’s not payday yet. Do you think the bartender cares? Of course not! He wants you to come in so he can move his inventory of good beers and spirits. He knows you. So what does he do? Let’s say it’s the 19th century, and “credit cards” don’t exist among our meager clan of small coal-working towns. What does he do?
Right! He hands you a token.
No interest rates, no worries, no big deals. Run a tab. Why? Because he knows you’re good at it, and he’s moving inventory. He doesn’t care about the interest, because he’s making a profit on the sale of his beer. He knows where you live and he knows that you will pay him back in a few days when you come for a drink after you get paid. It is a virtual certainty.
Now YOU, the beer-drinking coal worker from a small town, are perfectly fine with this. The drink costs you the same whether you have cash now or later, and the bartender pays you a bill in exchange for selling you more inventory. They all work together.
You scratch my back and I’ll buy more beer.
5) This concept of free “credit” provided to purchase inventory is not a new concept.
As you can see, it has been around for a long, long time. However, in modern times, it has a great application for “poor” credit-challenged people.
The secret is that you buy merchandise (on things you already need or are already buying) almost exclusively from merchants willing to give you credit at little or no interest.
So while you think you’re in a tough spot with credit problems, you actually turn it on its head and allow it to become the consumer’s purchasing power.
Only shop with merchants who will scratch your back.
With me?
6) Now where do you find these merchants?
Well, in the real world of brick and mortar, it’s not that hard.
You can start with department stores, gas cards, furniture outlets, electronics stores, jewelry stores, and a variety of other stores you can do business with.
I can’t guarantee, of course, that you’ll be approved. But many of these merchants run their credit departments in-house and, like our bartender, are interested in moving inventory.
So I wouldn’t take a “no” to mean that everyone will say “no”. Is not true.
Many of the larger corporate chains do not offer low or no interest rates. But almost ALL offer deep discounts on initial purchases as incentives to get started.
At the time of this writing, for example, JCPenney® and Target® offer 10% discounts on “new accounts.” Also, most of them offer zero interest when balances are paid off each month, and some of them offer different plans to meet different customer credit situations.
Also, look for interest-free incentive specials offered on many higher-value items. TVs, Furniture, etc.
You’ll also find many deferred payment incentives that you can use to your advantage, or that you can use as an interest-free situation.
You just have to turn around. They are out there.
7) Now, what about cyberspace? Is there anywhere to take advantage of this back-scratching secret in Silicon? Currently, yes! There are. Watch this:
Many online shopping portals have realized the advantage of working with “poor” credit customers and customizing a shopping experience to fit these specialized needs. We have listed several on our website, but of course you can find them on any search engine or other trusted websites on the Internet.
In a nutshell, the shopping website offers a membership card to make purchases on credit. You go to the online mall, shop for things you’d already buy anyway, and build or rebuild your credit score. The shopping portal helps you by reporting your credit activity to the major credit reporting agencies, which in turn improves your credit history.
Plus, membership benefits often include things like travel discounts, car rental discounts, and FREE credit reports.
They almost always advertise guaranteed lines of credit of up to $7,500, and incentives to join can include free merchandise (like a free DVD player) or a merchandise coupon.
Look for 30 day money back guarantees, and look for no annual fees, and yes, look for “NO INTEREST” on credit.
Most of these sites will require a membership fee up front, but then immediately turn around and provide a merchandise coupon. For example, a portal charges a $150 membership fee up front, but then immediately provides a $200 coupon for merchandise on their site.
Because their customers typically have a history of bad credit, they sometimes require a down payment or “down payment” on purchases until a relationship is established, but listen up. So what? If you have credit problems, you need to start rebuilding credit relationships somewhere. It sure beats Layaway!
What a creative way to solve this problem. Everybody wins.
You scratch my back and I’ll buy more beer!
Meanwhile, you are getting closer and closer to the gates of heaven in Credit Card Utopia!
We have enjoyed providing you with this information and wish you the best of luck in your endeavors. Always remember to seek good advice from those you trust and never turn your back on your own common sense.
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