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How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line Paperback – June 16, 2008


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Frequently Bought Together

How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line + The Skinny on Credit Cards: How to Master the Credit Card Game + How To Take Advantage of the People Who Are Trying To Take Advantage of You: Credit Arbitrage
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Product Details

  • Paperback: 352 pages
  • Publisher: FT Press; 1 edition (June 16, 2008)
  • Language: English
  • ISBN-10: 0132353776
  • ISBN-13: 978-0132353779
  • Product Dimensions: 0.9 x 5.4 x 8.1 inches
  • Shipping Weight: 11.4 ounces (View shipping rates and policies)
  • Average Customer Review: 5.0 out of 5 stars  See all reviews (15 customer reviews)
  • Amazon Best Sellers Rank: #516,145 in Books (See Top 100 in Books)

Editorial Reviews

About the Author

Curtis E. Arnold, a well-known consumer educator and advocate, is the founder of CardRatings.com, an award-winning website that has been providing objective, current information about credit cards free of charge since 1998. His website has made it easy for millions of cardholders to find more attractive credit cards and lower their card debt.

 

Some 1,000 unique credit card offerings are rated by both experts and cardholders on CardRatings.com, and new reviews are added daily. Cards are categorized for people with no credit or poor, fair, good, or excellent credit–and by whether they offer a low-interest rate, cash back, miles, or other rewards. CardRatings.com also provides a free forum (containing over 115,000 posts)–where Curtis interacts regularly with participants–to discuss credit issues such as sharing ideas on how to make the most of credit cards, get out of debt, and solve credit issues. Sharing detailed information with consumers has three important additional benefits from Curtis’s point of view: It encourages stronger competition among card issuers, helps create a more consumer-friendly credit card industry, and keeps CardRatings.com in touch with the needs of cardholders.

 

Curtis knows firsthand the devastating effects of credit card debt. By the time he was finished with his graduate studies at the University of Texas at Dallas, his credit card debt reached $45,000. The stress it created in his life was “unbelievable,” as Curtis puts it, and has a lot to do with why he wrote this book. His goal is to spare you the experience of what he went through and to show you the best ways to benefit from your credit cards.

 

Over the years, Curtis and CardRatings.com have received an enormous amount of national publicity and praise, thanks to interviews Curtis has given to The Wall Street Journal, The New York Times, The Washington Post, USA Today, Money Magazine, NPR (National Public Radio), CNN, ABC News Radio, AARP, Dow Jones Newswire, Bottom Line/Personal, PBS, SmartMoney Magazine, Reader’s Digest, MSN Money, MSNBC TV, The Associated Press, CNBC, TIME Magazine, and more.

 

Since its founding, Curtis has expanded CardRatings. com’s role and online offerings. For example, the site now provides all the data (card terms and conditions) for the credit card and ATM/debit survey published by the New York State Banking Department, the oldest bank regulatory agency in the nation. The site also includes credit card news and advice on everything from getting a line of credit to getting a copy of your credit report to getting a better rate or rebate. It’s also a good place to turn if you’re looking for business or student cards.

 

Arkansas Business, a weekly journal, selected Curtis as a “Top 40 Under 40” business leader in 2005, recognizing him as an intriguing business and political leader who bears watching. He was selected as a National Council of La Raza panelist in 2006 to discuss Hispanic credit card issues, and he was a guest speaker in 2007 at The Responsible Credit Roundtable, which provides a forum for leaders of the credit card industry and nonprofit organizations to devise, test, and implement ways to improve communication and account practices to build value for both companies and customers.

 

Curtis has a particular passion for educating students about credit. He serves on the Advisory Board for the Center for Consumer Financial Services at Rochester Institute of Technology, which provides national leadership and research on student credit issues. Curtis also regularly speaks on college campuses about the ins and outs of credit. Finally, he currently serves as co-chair of the Arkansas chapter of the Jump$tart Coalition for Financial Literacy, which seeks to educate students about personal finance issues.

 

Curtis participates in other consumer advocacy groups with various missions. For example, he contributes on a weekly basis to CreditBloggers.com, a blog where leading financial experts discuss credit, loan, debt, and identity theft topics. Curtis is also a member of Arkansans Against Abusive Payday Lending, a coalition of Arkansans dedicated to combating abusive payday-lending practices. Finally, he’s a member of the Financial Literacy Education Consortium, a community of professionals concerned with “best practices” in the delivery of financial education to their constituents.

 

Before founding CardRatings.com, Curtis worked in various capacities in the financial industry, for example, at Advancial Federal Credit Union, Regions Bank, and Metropolitan National Bank. In addition, Curtis gained some valuable “eBusiness” experience by working for Intelemedia Communications in the high-tech corridor of North Dallas.

 

Curtis enjoys being involved in community organizations in the Little Rock area, where he has served on the Board of Directors for Arkansas Festival Ballet. He has been a member of Toastmaster’s International, the West Little Rock Rotary Club, Techpreneur, a nonprofit organization that encourages technological entrepreneurship, and the Little Rock Bop Club. Curtis is also an active member of The Summit Church in North Little Rock.

 

Last but not least, Curtis cherishes his family life. His wife Nancy serves as the accounting supervisor for CardRatings.com. Curtis and Nancy currently reside in North Little Rock, Arkansas with their five children– Dallas, Erin, Hunter, Avery, and Claire.

 

Excerpt. © Reprinted by permission. All rights reserved.

Praise for How You Can Profit from Credit Cards

Praise for How You Can Profit from Credit Cards

Finally, someone has written a guide for savvy consumers who want to make the most of the plastic in their wallets. Curtis Arnold explains exactly how to maximize your rewards so you're quite literally getting free money and also outlines winning strategies for negotiating the lowest interest rate and using balance transfers to your advantage. Anyone who wants to build credit, improve their credit, or profit from their credit cards should read this book.

—Liz Pulliam Weston
MSN Money Personal Finance Columnist and Bestselling Author of Your Credit Score and Easy Money

Curtis Arnold is America's premier credit card expert. Whether you're trying to get your first card, compare credit offers, or figure out how to beat the credit card companies at their own game, Arnold's wisdom and insider tips will prove invaluable.

—Lynnette Khalfani-Cox
The "Money Coach" and Author of The New York Times Bestseller Zero Debt: The Ultimate Guide to Financial Freedom

If you have had enough of credit card tricks and traps, this book will show you how to turn the tables. Curtis Arnold knows the credit card business inside and out and offers proven ways to put plastic to work for you, rather than against you.

—Gerri Detweiler
Consumer Advocate and Author of four books on personal finance including the forthcoming book Stop Debt Collectors

For most Americans, credit cards are seen as a necessary evil. Curtis Arnold transforms that perception. Using his advice, people can get rebates, perks, better interest rates, and all kinds of benefits from their cards that they never knew were possible. This book helps you become the master of your credit cards instead of a victim.

—Jordan E. Goodman
"America's Money Answers Man" and Bestselling Author of Everyone's Money Book on Credit

Curtis Arnold provides you with tips for protecting yourself from costly credit card traps, how to use credit to your advantage, and much more. This is a must-read book!

—Marcia Brixey
Author of The Money Therapist and Founder and President of Money Wise Women Educational Services

Curtis Arnold's new book is loaded with great information, including some intuitive tips about how consumers can actually use credit and credit cards to benefit themselves financially instead of just benefiting the credit card companies. This is a most insightful book.

—John Ulzheimer
President of Consumer Education for Credit.com "Credit Caoch" contributor on CNBC's The Millionaire Inside and Author of "You're Nothing but a Number; Why achieving great credit scores should be on your list of wealth building strategies"

Credit cards can be a valuable money tool when used correctly, and Curtis Arnold tells you how. From enhanced consumer protections to lucrative rewards, "How You Can Profit From Credit Cards" reveals secrets of the credit card industry that can benefit you instead of the bank. This book makes you an expert not only about credit cards, but many of the credit issues in your life. And it blows the cover off some dirty tricks by card issuers. When it comes to paying with plastic, Arnold knows his stuff.

—Gregory Karp
Award-winning syndicated personal finance columnist and Author of Living Rich by Spending Smart: How to Get More of What You Really Want.


© Copyright Pearson Education. All rights reserved.


More About the Author

Curtis Arnold is a nationally recognized consumer educator and advocate. He is the CEO/Founder of CardRatings.com, a website that provides credit card ratings and reviews of over 20,000 offers. Curtis has been educating consumers about credit cards since 1998. He is regularly interviewed and quoted by respected members of the national press regarding consumer credit issues.

Customer Reviews

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As a former school counselor, I highly recommend that all schools have this book in their school curriculum.
E. Arnold
Here, consumer advocate Curtis E. Arnold outlines how you can reward yourself financially with savvy credit card use and how you can protect yourself.
Rolf Dobelli
I was particularly impressed with the mountainous amount of information written in such a friendly, easy-to-read format.
Larry Jameson

Most Helpful Customer Reviews

21 of 23 people found the following review helpful By William Lund on August 26, 2008
Format: Paperback
Being an avid reader and contributor of the forums for a couple years at cardratings.com I had to purchase the book and was pleased with the great material found within. It took the best of what I've learned and explains it all in a well organized manner. I point family and friends to it now, cause it explains it all much better than I can. With the help of the forums I overcome a $12000 credit debt in 2 years and over the time built a score close to 800. I enjoy having my cards earn me money instead of having debt and having the upper hand now that I know how the credit world works.

Thanks for your help, Curtis.
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18 of 21 people found the following review helpful By Sandy Winnich on July 19, 2008
Format: Paperback
I was very impressed with "How you can profit". Arnold seems very well-versed in credit cards and provides a lot of the ins and outs of the multi-billion dollar industry. Arnold goes over everything from why cards target college kids to how granny can be defrauded.

The one criticism I have is that most of the book doesn't tell you how to profit from credit cards as, say Credit Arbitrage does (you can actually have the credit cards make money for you $30~$1000 a month). Mainly it's just a how-to on all aspects of credit card ownership and usage- but highly recommended!
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7 of 8 people found the following review helpful By C. Arnold on October 31, 2008
Format: Paperback
Curtis has written a very relevant, timely message to an audience that needed this many moons ago. I have struggled with my finances in my college days like most students, and have found myself asking, "Where would I be today if I had this book in college?" Curtis has written this book as a tool for any and every consumer, but specifically the student credit chapters need to be plugged in to every university in America. It's information would prevent the next generation from experiencing what we are going through today. I recommend this book to anyone who wants to see the next generation succeed financially!
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14 of 18 people found the following review helpful By Mr. Panah Mosaferirad on June 24, 2008
Format: Paperback
I just had the chance to finish this book on my Kindle, and I am very impressed by the depth and richness of content that Mr. Arnold discusses in his book. I had a chance to briefly work with Mr. Arnold when I was at Advanta, and I kept thinking that if he wrote a book on all he knew about the industry, it would be a good one. Now that I have read it, I can tell you that it has exceeded my expectations.

Curtis is a top consumer advocate, so the fact that he actually cares about helping people get out of debt was not surprising. In the first chapter, Curtis talks about how your credit cards is more than just a piece of plastic, and by the fourth and fifth chapter, you get to master concepts such credit card rewards and rebates. There are so many good tips in this book that after you are done with it, you are going to wonder how you have gone without them till now.

My personal favorite section was "Master Advanced Card Techniques To Save and Make Money." I am not going to spoil the book for you here but as it's mentioned in the book, I highly recommend you look at CardRatings.com for more tips and credit card reviews.

I do recommend the Kindle edition if you have the Amazon Kindle device. Not that this book is expensive, but it's more convenient to receive this book in 30 seconds rather than waiting a few days to get it shipped from Amazon.
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1 of 1 people found the following review helpful By Rolf Dobelli HALL OF FAME on February 14, 2010
Format: Paperback
Credit card companies seem convinced that most consumers are spendthrifts who will quickly sink into debt if given the chance. And owning a credit card gives you that chance. Unfortunately, few applicants read the fine print on new credit card offers until they are merrily charging away and their debts mount. Eventually, previously naive consumers figure out that if they are late with even one payment, interest rates on all their cards can skyrocket. Fortunately if you know what to do - pay on time - you don't have to incur heavier debt. Here, consumer advocate Curtis E. Arnold outlines how you can reward yourself financially with savvy credit card use and how you can protect yourself. He hammers hard on the need to pay up, but the message really matters to your credit rating, particularly until new U.S. credit card regulations go into effect. Arnold explains how knowledgeable consumers can use the card companies' money for little or no interest, get cash back on their purchases, earn airline miles and even get the companies to contribute to their children's college funds. And none of it has to cost a dime. Want to learn how? getAbstract recommends this book to anyone who uses credit cards and wants to come out on top.
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1 of 1 people found the following review helpful By Scott Crawford, CEO DebtGoal.com on February 6, 2009
Format: Paperback
I used to work in credit card marketing and I've seen the money and resources that go into getting people to open credit cards and to build balances. Card issuers build mathematical models and track statistical correlations over very large numbers of people to determine how best to get you to pay them interest and fees. I'm glad to see Curtis expose some of the tricks that issuers use and how we can turn these techniques to our advantage.

[...] I would love everyone to use these techniques to your advantage. For those who can use cards to their advantage, this book is a must-read.
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3 of 4 people found the following review helpful By Larry Jameson on August 27, 2008
Format: Paperback
I was particularly impressed with the mountainous amount of information written in such a friendly, easy-to-read format. Curtis has done a wonderful job explaining the ins and outs of credit cards and how you can actually make a profit using them.

I've known Curtis for several years and can personally attest to his desire to help people understand the credit industry: credit cards, credit reports, credit scores, and more. I thought I knew a lot about credit cards, yet I was amazed beginning in Chapter One at Curtis' unique perspective and exemplary advice.

Everyone should learn the information in this book. Parents would do well to give copies to their children. It's that important!
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