Compare Credit Card Programs by Dave Capra - HTML preview

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Survey Report by Name of Financial Institution

Institution

5 STAR BANK (A
COLORADO INDUSTRIAL BANK)

ADIRONDACK TRUST
COMPANY,
THE

AMALGAMAT ED BANK OF CHICAGO

AMERICAN EXPRESS
BANK, FSB

AMERICAN EXPRESS
CENTURION BANK

Grac
e
Type Peri
Annual of od
Availability and Percenta Prici Inde (day Annu Other Telepho Credit Card Plan ge Rate ng x s) al Fee Features ne

(800) N - 5STAR VISA N - 5STAR VISA PLATINUM 11.4 V 1 25 0 N.R. 2265

(518)

(518) NY - VISA 15.0 F 0 25 15 4,6 5844

N
AMALGAMATE
D BANK OF (800) CHICAGO CHICAGO MASTER 12.0 V 1 25 0 4,5,10 6464

(800) N - AMERICAN N - AMERICAN EXPRESS GOLD 18.2 V 1 20 85 N.R. 0770

N - BLUE FROM (800) AMERICAN 2,3,4,5,6,9 2,3,4,5,6,9 EXPRESS 12.2 V 1 20 0 ,10 4800 AMERICAN SAVINGS
BANK, F.S.B.

AMERICAN STATE BANK

ANB
FINANCIAL NATIONAL
ASSOCIATION

APPALACHIA N
COMMUNITY BANK

ARVEST BANK

 

BANCORPSOU TH BANK

BANGOR
SAVINGS
BANK

BANK OF
KENTUCKY, INCORPORAT ED, THE

BANK OF LOUISIANA

 

BANK OF THE SIERRA

 

BANK, THE

 

BANKERS BANK, THE

(808) HI - CLASSIC HI - CLASSIC VISA 16.3 F 0 25 24 4,6 2566

TX - AMERICAN (325) STATE BANK STATE BANK VISA 9.90 F 0 25 0 4,6,10 1000

(888) N - ESCAPES / N - ESCAPES / ANB 8.30 F 0 28 0 N.R. 5262

(706) N - VISA N - VISA CLASSIC 11.9 F 0 25 12 1,4,5,8,10 8000

(800)

(800) R - VISA 19.9 V 1 25 0 4,6,8 8085

(800) R R MASTERCARD 11.2 V 1 30 0 N.R. 2723

(207) N - VISA N - VISA CLASSIC 16.2 V 1 25 0 5 5211

(859)

(859) R - VISA GOLD 19.8 V 1 25 0 4,9 5170

(800) N - VISA AND N - VISA AND MASTERCARD 9.90 F 0 25 0 3,4,5,6,9 6454

(559)

(559) CA - VISA 13.0 F 0 25 0 4,6 4900

(800)

(800) PA - VISA 15.3 V 1 25 0 2,3,4,6 9295

(800) R R MASTERCARD 14.2 V 1 25 0 4,5,6,7 7642 BANKERS'
BANK OF
KANSAS, (800) NATIONAL NATIONAL ASSOCIATION KS - VISA 16.7 V 1 25 0 4,6 6284

BAR HARBOR BANK AND TRUST
COMPANY

BARCLAYS BANK
DELAWARE

BB&T
BANKCARD CORPORATIO N

BMW BANK OF NORTH
AMERICA

BOONE
COUNTY
NATIONAL
BANK OF
COLUMBIA, THE

BRANCH
BANKING
AND TRUST COMPANY

CAPITAL ONE BANK

CENTRAL
BANK &
TRUST
COMPANY

CENTRAL
TRUST BANK, THE

CHASE BANK (888) ME - VISA ME - VISA CLASSIC CARD 14.5 F 0 25 0 10 7100

N - US (866) AIRWAYS AIRWAYS MASTERCARD 18.2 F 0 20 79 4,5,6,9 0881

(800)

(800) R - VISA 12.2 V 1 25 0 N.R. 4228

(888) 1,2,3,4,6,1 1,2,3,4,6,1 N - VISA 14.2 V 1 22 0 0 2273

R (573) MASTERCARD/ MASTERCARD/ VISA 17.4 F 0 25 0 4 1148

(800)

(800) R - VISA 12.2 V 1 25 0 3,4,5,6,9 4228

(800)

(800) N - VISA 19.8 V 1 25 0 N.R. 7070

(800)

(800) KY - VISA 18.0 F 0 25 20 N.R. 6884

R (573) MASTERCARD / MASTERCARD / VISA 17.4 F 0 25 0 4 1148

N 9.00 F 0 20 0 N.R. (888) USA,
NATIONAL
ASSOCIATION

CHEMUNG
CANAL
TRUST
COMPANY

CITIBANK
(BANAMEX USA)

CITIBANK
(SOUTH
DAKOTA),
NATIONAL
ASSOCIATION

CITIZENS
BANK OF
MASSACHUSE TTS

CITIZENS
BANK OF
PENNSYLVAN IA

CITIZENS
BANK OF
RHODE
ISLAND

CITIZENS

 

FIRST BANK

CITY
NATIONAL
BANK

CITY
NATIONAL
BANK OF
TAYLOR, THE

CNB BANK MASTERCARD MASTERCARD 7370

NY - VISA (607) BUSINESS BUSINESS CARD 13.7 V 1 25 25 N.R. 3761

N (800) MASTERCARD MASTERCARD PLATINUM 14.2 V 1 25 0 4,10 1234

(800) N N MASTERCARD 11.2 V 1 20 0 N.R. 5114

N (888) MASTERCARD MASTERCARD PLATINUM 8.00 V 1 20 0 2,4,6,10 1114

(888) N N MASTERCARD 8.00 V 1 20 0 2,4,6,10 1114

N (888) MASTERCARD MASTERCARD PLATINUM 8.00 V 1 20 0 2,4,6,10 1114

(352) FL - VISA FL - VISA PLATINUM 10.0 F 0 25 0 N.R. 3274

(800) R - VISA R - VISA BUSINESS 16.0 F 0 25 50 3,4,6 5920

(512) TX - VISA AND TX - VISA AND MASTERCARD 13.9 F 0 25 0 4,6 2221

(800) 3,4,5,6,8,1 3,4,5,6,8,1 N - VISA 14.9 F 0 30 15 0 3221 COLUMBIA RIVER BANK

COLUMBUS BANK AND TRUST
COMPANY

COMMERCE BANK AND TRUST

COMMERCE BANK,
NATIONAL ASSOCIATION R - VISA 12.2 V 1 25 0 3,6,9,10 2000 (541)

R - VISA R - VISA CLASSIC 18.0 F 0 25 0 4,5,8,10 6607

(800) N - VISA N - VISA CLASSIC 16.2 V 1 25 0 N.R. 8227

(785) KS - VISA KS - VISA CLASSIC 17.1 V 1 25 0 4,9 8900

(800) (800)

COMMERCE BANK,
NATIONAL
ASSOCIATION

COMMUNITY FIRST BANK

COMMUNITY NATIONAL BANK

COMPASS BANK

 

COPPERMARK BANK

CREDIT ONE BANK,
NATIONAL
ASSOCIATION N - VISA 23.9 F 0 25 69 N.R. 3242

(208) D. L. EVANS 2,3,4,5,6,8 2,3,4,5,6,8 BANK N - VISA GOLD 13.2 V 1 25 20 ,10 2529

DELAWARE (800) NATIONAL NATIONAL BANK R - VISA 15.3 V 1 25 0 2,3,4,6 9295 (800)

R - SPECIAL R - SPECIAL CONNECTIONS 16.5 V 1 25 0 4,6 2103

(870) AR AR MASTERCARD 9.00 F 0 25 50 10 8000

(802)

(802) VT - VISA 13.6 F 0 25 0 N.R. 7915

(800)

(800) R - VISA 18.2 V 9 25 0 N.R. 5175

(800) R R MASTERCARD 16.2 V 1 25 15 1,3,4,5,8,9 1557

(877)

(877) DISCOVER BANK

DOLLAR BANK, A FEDERAL SAVINGS BANK

EAST PENN BANK

EXCHANGE
NATIONAL
BANK OF
JEFFERSON
CITY, THE

FAIRFIELD
FEDERAL
SAVINGS AND LOAN
ASSOCIATION OF
LANCASTER

FARM
BUREAU
BANK FSB

FIA CARD SERVICES, N.A.

FIFTH THIRD BANK

FIRST BANK & TRUST
EAST TEXAS

FIRST
COMMAND BANK

FIRST
N - DISCOVER (800) PLATINUM PLATINUM CARD 14.0 V 1 25 0 1,4,6,7,9 2683

(800)

(800) R - VISA 13.2 V 1 25 0 1,6,9 2823

(610)

(610) N - VISA 14.7 V 1 25 0 4 5959

(800) MO MO MASTERCARD 16.9 F 0 25 0 4 8362

(800) OH - FAIRFIELD OH - FAIRFIELD FEDERAL 12.3 V 1 24 12 1 0987

(800) N N MASTERCARD 15.2 V 1 20 0 9,10 3276

N - BANK OF
AMERICA (800) MASTERCARD MASTERCARD PLATINUM 15.2 V 1 20 0 3,4,6,9,10 2775

(800) R - PLATINUM R - PLATINUM MASTERCARD 10.2 V 1 20 0 3,4,9,10 4858

(888) TX - VISA TX - VISA CLASSIC 13.9 F 0 25 0 N.R. 7787

(888) N - VISA N - VISA PLATINUM 9.30 F 0 30 0 2,4,6 7600

AL - VISA 12.2 V 1 20 0 N.R. (800) COMMERCIAL PLATINUM PLATINUM BANK 8227

FIRST (505) COMMUNITY N N BANK MASTERCARD 14.9 F 0 25 50 4,5,6,8 7373

FIRST (203) COUNTY COUNTY BANK CT - VISA 14.2 V 1 25 25 N.R. 4200

FIRST
FEDERAL
SAVINGS AND (800) LOAN LOAN ASSOCIATION N - VISA 11.9 V 1 25 0 N.R. 3248

FIRST
FINANCIAL BANK,
NATIONAL
ASSOCIATION

FIRST
FINANCIAL BANK,
NATIONAL
ASSOCIATION

FIRST
HAWAIIAN BANK

FIRST
INTERSTATE BANK

FIRST
NATIONAL
BANK &
TRUST

FIRST
NATIONAL
BANK
ALASKA

FIRST
NATIONAL
BANK AND
(800)

R - CLASSIC R - CLASSIC MASTERCARD 13.5 V 1 25 0 N.R. 8890

(800) R - VISA R - VISA CLASSIC 15.9 F 0 25 15 4,6 0045

HI (800) MASTERCARD MASTERCARD STANDARD 16.5 F 0 25 15 4,6,7,10 2778

R - VISA (406) PLATINUM 4,5,6,8,9,1 4,5,6,8,9,1 SCORECARD 20.3 T 0 25 35 0 5434

(850) FL - MASTER FL - MASTER CARD 14.9 F 0 30 20 1,9 2020

(907) AK AK MASTERCARD 13.9 F 0 25 0 4 4523

(800) WY - VISA WY - VISA CLASSIC 13.9 F 0 25 0 4 6906 TRUST
COMPANY

FIRST
NATIONAL
BANK OF
FAIRFIELD, THE

FIRST
NATIONAL
BANK OF
OMAHA

FIRST
NATIONAL
BANK OF ST. LOUIS

FIRST
NATIONAL
BANK OF THE MID-CITIES

FIRST PENN BANK

FIRST
SECURITY BANK

FIRST STATE BANK

FIRST
CITIZENS
BANK &
TRUST
COMPANY

FIRST-KNOX NATIONAL
BANK OF
MOUNT
VERNON, THE

FIRSTBANK OF
(406) (406)

MT - VISA 15.6 F 0 25 0 5,7 2531

(800) 2,3,4,6,9,1 2,3,4,6,9,1 N - VISA 10.0 V 9 20 0 0 7070

R (573) MASTERCARD / MASTERCARD / VISA 17.4 F 0 25 0 4 1148

N
MASTERCARD (817) REGULAR AND REGULAR AND GOLD 13.9 F 0 25 0 N.R. 2500

(866)

(866) N - VISA 14.0 F 0 25 0 4,6 2265

(479)

(479) AR - VISA 10.0 F 0 25 0 1,3,4,6 7078

NM (800) MASTERCARD MASTERCARD CLASSIC 15.2 F 0 25 0 4 7503

(540)

(540) R - VISA GOLD 8.00 V 1 25 0 4 4707

(740) OH - VISA OH - VISA CLASSIC 17.2 V 1 30 0 4 5500

(800) R - VISA 15.2 V 1 25 0 2,4,6 2,4,6 COLORADO

 

FIRSTMERIT BANK, N.A.

FRANKLIN
TEMPLETON BANK &
TRUST F.S.B.

GARDINER
SAVINGS
INSTITUTION FEDERAL
SAVING
BANK

GREENVILLE NATIONAL BANK

HEARTLAND BANK

HILLS BANK AND TRUST COMPANY

HOME
FEDERAL
BANK OF
TENNESSEE, FSB

HSBC BANK USA,
NATIONAL
ASSOCIATION

HUNTINGTON STATE BANK

IBERIABANK IDAHO
3444

(888) R - VISA R - VISA PLATINUM 10.8 V 1 20 0 2,4,6,9 4362

(800) N - PLATINUM N - PLATINUM MASTERCARD 11.7 V 1 25 0 2,3,4,6,10 2761

(207) ME - VISA ME - VISA CLASSIC 16.5 T 0 25 0 N.R. 5550

OH
GREENVILLE (937) NATIONAL NATIONAL BANK VISA 18.0 F 0 25 0 N.R. 1114

(800) OH OH MASTERCARD 15.7 V 1 25 18 10 0049

IA - VISA (800) PLATINUM "NO PLATINUM "NO ANNUAL FEE" 10.3 V 1 25 0 4,6,8,9 5725

(865) TN - VISA TN - VISA CLASSIC 12.8 F 0 25 15 N.R. 3954

(877) N N MASTERCARD 16.0 V 1 20 0 3,4,5,9,10 4722

(936)

(936) TX - VISA 13.9 F 0 25 0 N.R. 5566

(800) LA - VISA LA - VISA CLASSIC 11.0 F 0 15 0 N.R. 0801

N - VISA 15.2 V 1 25 15 1,3,4,6 (208) INDEPENDEN T BANK

INFIBANK,

 

N.A.

INTRUST
BANK,
NATIONAL
ASSOCIATION

IRONSTONE BANK

 

KENTUCKY BANK

LAFAYETTE AMBASSADO R BANK

LOS ALAMOS NATIONAL BANK

M&I BANK

 

FSB

MERCER
SAVINGS
BANK

MERRICK
BANK
CORPORATIO N

NATIONAL

 

CITY BANK

NATIONAL
GRAND BANK OF
MARBLEHEA D
D
1168

(877)

(877) N - VISA 13.0 V 4 20 0 N.R. 8078

(800) N - VISA N - VISA PLATINUM 14.2 V 1 25 0 4,6,10 7458

(540)

(540) R - VISA GOLD 8.00 V 1 25 0 4 4707

(859)

(859) KY - VISA 16.2 V 1 25 0 N.R. 1795

(800)

(800) PA - VISA 15.3 V 1 25 0 2,3,4,6 9295

(505)

(505) N - VISA GOLD 10.9 F 0 25 15 N.R. 1050

(800) R - VISA R - VISA CLASSIC 16.2 V 1 25 15 N.R. 2657

(419) OH - VISA OH - VISA CLASSIC 11.9 F 0 25 20 N.R. 5159

(800) N - VISA N - VISA CLASSIC 25.2 V 1 25 0 N.R. 2322

R - NATIONAL
CITY (800) EVERYDAY EVERYDAY REWARDS VISA 14.2 V 1 20 0 1,2,3,4 3883

(781) MA MA MASTERCARD 16.5 F 0 25 0 N.R. 6000 NEW
MILLENNIUM BANK

NORDSTROM FSB

NORTHWEST SAVINGS
BANK

OAK HILL

 

BANKS

OHIO VALLEY BANK
COMPANY,
THE

PARK
NATIONAL
BANK, THE

PENN
SECURITY
BANK AND
TRUST
COMPANY

PEOPLES
FIRST
COMMUNITY BANK

PINNACLE BANK

PLAINS
COMMERCE BANK

PULASKI
BANK AND TRUST
COMPANY

QUAD CITY BANK AND N - VISA (732) SECURED SECURED CREDIT CARD 19.5 F 0 0 59 2,3,4,6 4395

(800)

(800) N - VISA 12.2 V 1 25 0 10 1800

(814) R - VISA R - VISA CLASSIC 13.8 F 0 25 0 3,6 7505

(513) N - VISA N - VISA CLASSIC 17.4 F 0 25 0 4,9 5196

(740)

(740) R - VISA 15.3 F 0 25 15 N.R. 9148

(800) OH - CLASSIC OH - CLASSIC VISA 18.0 F 0 25 12 N.R. 2616

(570) N N MASTERCARD 14.8 F 0 25 0 N.R. 7741

FL (800) MASTERCARD MASTERCARD GOLD 10.9 F 0 25 0 N.R. 9699

(800) R - VISA R - VISA CLASSIC 16.0 V 9 25 0 4,5,6,10 7283

N (605) VISA/MASTERC VISA/MASTERC ARD 19.8 F 0 25 39 N.R. 2344

(800)

(800) N - VISA 8.00 F 0 25 35 9 7715

R - VISA (877) CLASSIC 14.2 V 1 25 20 4,9 4,9 TRUST
COMPANY

RAINIER
PACIFIC
SAVINGS BANK

RBC
CENTURA BANK

RICHLAND TRUST
COMPANY, THE

S & T BANK

SECURITY NATIONAL BANK AND TRUST
COMPANY

SIMMONS FIRST
NATIONAL BANK OF
PINE BLUFF

SOLVAY

 

BANK

STATE BANK AND TRUST COMPANY, THE

STATE FARM BANK, FSB

SUNFLOWER BANK,
NATIONAL
ASSOCIATION 0190

(800)

(800) N - VISA GOLD 13.0 V 1 25 0 N.R. 2858

(800)

(800) R - VISA GOLD 14.7 V 1 25 0 4,5 8872

(418) OH - VISA OH - VISA GOLD 10.8 V 1 30 50 4 8791

(800) PA - VISA PA - VISA CLASSIC 11.8 V 1 25 15 4,6,10 2265

(937) OH - CLASSIC OH - CLASSIC VISA 16.9 F 0 25 0 N.R. 6828

(800)

(800) N - VISA 13.3 F 0 25 35 4 5151

(315) NY - VISA NY - VISA CLASSIC 14.9 F 0 25 0 N.R. 1661

(419)

(419) OH - CLASSIC 15.8 V 1 25 25 N.R. 8950

(877) N - VISA N - VISA PLATINUM 13.2 V 1 20 0 1,2,4,6,9 8472

(888) N - VISA N - VISA CLASSIC 9.90 F 0 25 0 4,5,6,8 5564 TCM BANK,
NATIONAL
ASSOCIATION

TEXAS BANK AND TRUST COMPANY

TIB THE
INDEPENDEN T
BANKERSBAN K

TOWN NORTH BANK
NEVADA,
NATIONAL
ASSOCIATION

TRUSTMARK NATIONAL
BANK

U.S. BANK
NATIONAL
ASSOCIATION ND

UMB BANK, NATIONAL
ASSOCIATION

UNION STATE BANK

 

UNITED

 

BANK, INC.

UNIVERSAL SAVINGS
BANK,
FEDERAL
ASSOCIATION

USAA
SAVINGS
BANK
N - TOTAL (800) CARD CARD MANAGEMENT 15.2 V 1 25 0 3,4,5,6,9 0131

(903) TX - VISA TX - VISA CLASSIC 13.9 F 0 25 0 N.R. 5680

(800) N - VISA AND N - VISA AND MASTERCARD 16.2 V 1 25 0 N.R. 7576

(800) N N MASTERCARD 10.2 V 1 20 0 4,8,9 8417

(601)

(601) R - VISA 12.2 V 1 30 0 N.R. 7685

(800)

(800) R - VISA 12.2 V 1 25 0 9 8585

(800) N - VISA 1,2,3,4,5,6 1,2,3,4,5,6 PLATINUM 12.2 V 1 25 0 ,9 5184

(800) NY - VISA 1,4,5,6,7,9 1,4,5,6,7,9 GOLD 15.2 V 1 25 0 ,10 8775

(800)

(800) R - VISA 14.3 V 1 25 0 10 7600

(888) N - VISA N - VISA PLATINUM 10.0 V 1 25 0 4,10 1427

(800) N N MASTERCARD 11.2 V 1 25 0 N.R. 2265 VALLEY
NATIONAL
BANK

WACHOVIA
BANK,
NATIONAL
ASSOCIATION

WALLIS
STATE BANK, THE

WASHINGTON MUTUAL
BANK

WAYNE BANK AND TRUST
CO.

WELLS
FARGO BANK, NATIONAL
ASSOCIATION N - VISA 17.2 V 1 25 0 9 4720 (800)

NJ NJ MASTERCARD 16.8 F 0 25 0 N.R. 4100

N - VISA
PLATINUM (800) WITH WITH REWARDS 12.2 V 1 25 0 9 4684

(979)

(979) TX - VISA 14.9 F 0 25 0 4,5,6,8 6151

(800) N - PLATINUM N - PLATINUM MASTERCARD 15.0 V 1 25 0 10 7000

(888) N - VISA N - VISA CLASSIC 11.0 F 0 25 0 N.R. 2963

(800) (800)

WELLS
FARGO
FINANCIAL
BANK

WEST
SUBURBAN
BANK

WHITNEY
NATIONAL
BANK

WILMINGTON SAVINGS
FUND
SOCIETY, FSB

WILMINGTON TRUST
COMPANY

WORLD
FINANCIAL
NETWORK
(605) (605)

R - VISA 13.9 F 0 25 20 N.R. 3933

(630) IL - VISA IL - VISA CLASSIC 14.3 V 1 25 0 N.R. 2000

(504)

(504) R - VISA 14.3 V 1 25 0 N.R. 6565

(302) N N MASTERCARD 14.9 V 1 25 20 N.R. 6000

(302) N N MASTERCARD 16.5 V 5 25 18 4,5,8,10 2378

N - GANDER (888) MOUNTAIN MOUNTAIN PLATINUM 16.2 V 1 25 0 N.R. 4709 NATIONAL BANK

WORLD'S
FOREMOST BANK

YORK STATE BANK AND TRUST
COMPANY

ZIONS FIRST NATIONAL BANK
MASTERCARD

(800) N - CABELA'S N - CABELA'S VISA CLASSIC 16.2 V 1 20 0 1,6 8402

(402)

(402) N - VISA 14.0 F 0 25 0 3,4,6,9,10 4411

(888) R - VISA R - VISA CLASSIC 17.3 V 1 25 0 2,4,6,10 5349

Checklist for comparing credit cards

Think about how you will use your credit card. Do you expect to

00747.jpg00748.jpg00749.jpg00750.jpg00751.jpg00752.jpg

Pay your monthly bill in full?

00753.jpg00754.jpg00755.jpg00756.jpg00757.jpg00758.jpg

Carry over a balance from month to month?

00759.jpg00760.jpg00761.jpg00762.jpg00763.jpg00764.jpg

Get cash advances?

Once you have decided how you will use your credit card, you can use this checklist to compare cards. Information about most of the features is given in thedisclosure box that must appear in all printed credit card solicitations and applications.
Feature Card A Card B Card C

What are the APRs?

 

For purchases? ___________ ___________ ___________

For cash advances? ___________ ___________ ___________ For balance transfers? ___________ ___________ ___________ If you pay late? ___________ ___________ ___________

What type of interest does the card have?

 

Fixed or variable? Tiered? ___________ ___________ ___________

 

How long is the grace period?

 

If you carry over a balance? ___________ ___________ ___________ If you pay off the balance each month? ___________ ___________ ___________ For cash advances? ___________ ___________ ___________

 

How is the finance charge calculated?

 

One cycle or two? ___________ ___________ ___________

Including or excluding new purchases? ___________ ___________ ___________ Average or adjusted? ___________ ___________ ___________ Minimum finance charge? ___________ ___________ ___________

What are the fees?

 

Annual ___________ ___________ ___________

Late-payment ___________ ___________ ___________ Over-the-credit-limit ___________ ___________ ___________ Set-up ___________ ___________ ___________

___________ ___________ ___________ What are the cash advance features?

 

Transaction fees

 

Limits ___________ ___________ ___________

 

How much is the credit limit? ___________ ___________ ___________

 

What kind of card is it?

 

Secured? Regular? Premium? ___________ ___________ ___________

 

Does the card offer other features?

 

Rebates ___________ ___________ ___________

Frequent flier miles ___________ ___________ ___________ Insurance ___________ ___________ ___________ Other ___________ ___________ ___________

00765.jpg

Dave Capra is author of “Your Guide to Perfect Credit” and host of “The Debtonator Radio Show returning to Chicago airwaves this April on WJJG-AM 1530. His daily columns are available on his bloghttp://thedebtonator.blogspot.com/ and he is a debt relief consultant with Franklin Debt Relief.

He has been helping people recover from problematic debt since 1990 and has made it his mission to educate consumers about credit cards and debt management. He is currently petitioning legislators in Illinois to include, as required curriculum, courses in credit cards and debt management for all high school students.

“I find it appalling that our children are graduating and entering the adult world uneducated about credit and debt matters, and I intend to do something about it.” Capra states. “Know the rules before you play the game,” is his battle cry.

For information about Dave Capra “The Debtonator” email him at

 

dcapra@franklindebtrelief.com or call 312.674.4861 (office) or 630.433.0303 (cell)

If you’re currently suffering from the pain and frustration associated with bad credit, or no credit at all, "Your Guide To Perfect Credit" will tell you EVERYTHING that a consumer needs to know about credit, credit cards, debt education, getting out of debt and staying that way.

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The decision to obtain this book is one of the most important decisions that you will make in your life. It is a decision to become educated in an area of your life where average people have little or no knowledge. So your decision to reach out for help, to educate yourself, was truly a wise one. It is when you truly decide to take actionthat good things start to happen.

"Your Guide To Perfect Credit" was written to teach you what credit and debt are and how to establish or restore your credit and build up your credit score. If you’re trying to build credit fast, you will find some great tools in this program.

You will learn:
• The history of your social security card
• What exactly credit is
• How to improve your credit score fast
• How to establish good credit
• Restoring you good credit
• Dealing with debt collectors
• The almost secret credit bureau and FICO score
• The secrets that the credit card companies and your bank don’t want you to know
• and much, much more!

Also, as a FREE limited time bonus you will receive our special letters kit. This kit includes all the letters you will need to:
• Negotiate with creditors and use restrictive endorsement letters to settle your
debts and erase bad credit for pennies on the dollar
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Order Your Guide To Perfect Credit today!
The special bonuses are in limited quantity.

"Using the techniques in this book, you will begin to change your financial life
and how you perceive credit, credit cards and debt. You will be taken by the hand

00766.jpg

and shown step by step what you need to know to get out of debt and stay that way."

"You will have a far better understanding as to what credit and debt are and how they can affect our lives." . You will learn "how to" strategies that will alleviate your bad habits and change the way you deal with credit and debt.

A BIG 168 pages! Available atwww.lulu.com/thedebtonator

 

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