YOU 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 Supercharged 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? Good. These are all the essential fundamentals 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 utopia of the credit card as a goal to take action.
Our website (and many other great websites on the Internet) can give you 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) Getting back to normal: Do you want an interest-free credit offer? Want an incentive-based offer at low interest, with no annual fee?
Well, if you have credit or debt problems, then the first step is to approach this problem from a different point of view.
Forego 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 do it.
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 knows 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 in so he can move his inventory of good beers and spirits. He knows you. So what does he do? Let’s say we’re in the 19th century, and there’s no such thing as “credit cards” among our meager clan of small coal towns. What does he do?
Good! He passes you a token.
No interest rates, no worries, no big deals. Run a tab. Because? Because it knows you’re good at it, and it’s moving inventory. He doesn’t care about the interest, because he is 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 over 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 tab 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 app for people with “poor” credit problems.
The secret is that you buy merchandise (about 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 around and allow it to become the buying power of the consumer.
Only buy from merchants who 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 that you can do business with.
I cannot guarantee, of course, that you will be approved. But many of these merchants run their credit departments in-house, and like our bartender, they’re 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 zero interest rates. But almost EVERYONE offers deep discounts on initial purchases as incentives to get started.
As 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 every month, and some of them offer different plans to suit different customer credit situations.
Also, look out for interest-free incentive specials offered on many higher value items. Televisions, Furniture, etc.
You’ll also find many deferred payment incentives that you can use to your advantage, or 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? Actually yes! There is. Look at this:
Many online shopping portals have realized the benefit of working with “poor” credit customers and customizing a shopping experience to fit these specialized needs. We have listed several on our website, but you can of course find them on any search engine or other trusted websites on the internet.
Simply put, the shopping website offers a membership card to make purchases on credit. You go to the mall online, 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 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 credit lines of up to $7,500, and incentives to join may include free merchandise (like a free DVD player) or a merchandise coupon.
Look for 30-day money-back guarantees, and don’t look for 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 its site.
Because their customers typically have bad credit histories, 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 have to start rebuilding credit relationships somewhere. It sure beats Layaway!
What a creative way to solve this problem. Everyone wins.
You scratch my back and I’ll buy more beer!
Meanwhile, you’re getting closer and closer to the gates of Heaven at Credit Card Utopia!
We have enjoyed bringing you 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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