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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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From the Back Cover
- Unlock the keys to huge credit card savings
"Find the best rates and balance transfer offers-and make the most of them"
- Fly anywhere, finance anything
"Use credit cards to get free airline tickets and cash rebates or low-cost "creative financing""
- Don't get ripped off-by your bank or anyone else
"Avoid hidden fees, costly small print, and flat-out fraud "
- Slash your debt, and cut your cost of credit
"Stop throwing away money you could be saving or investing"
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.
Top Customer Reviews
Thanks for your help, Curtis.
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!
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.
We've all come to realize now with the credit crunch what a double-edged sword credit cards can be, and Curtis has done a thorough job explaining how to make sure you don't get hurt! The book is easy enough to read, but detailed enough to warn against traps you may not have heard of. (Trailing interest anyone?) You'll also find advanced strategies like credit card arbitrage, and predictions for the future of plastic.
This is an excellent, well-researched and well-written guide to credit cards. I would recommend it to anyone who uses plastic - whether you pay in full each month and want to maximize rewards, or you want to dig out from under as Curtis did himself.
Most Recent Customer Reviews
I plan on reading this book again , great information but before doing any of it i have to make sure i know what I doing.Published 8 months ago by Rose7776
This book is amazing if you want more information on how to make credit cards work for you. It covers how to get out of debt, how to handle your cards, and how to earn rewards and... Read morePublished on October 30, 2009 by D4CGurl449
"How You Can Profit ..." delivers handily on the titled promise to those who desire a better understanding of how credit cards can best be used to your financial advantage. Read morePublished on May 20, 2009 by Harry D. Porter
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. Read morePublished on February 6, 2009 by Scott Crawford, CEO DebtGoal.com
A very well written book which goes a long way toward enlightening credit card users. Arnold discusses both pitfalls and opportunities - conveyed in a easy-to-understand style and... Read morePublished on December 31, 2008 by avid reader 09
I just finished reading Curtis Arnold's latest book, "How You Can Profit From Credit Cards".
I have been a writer, teacher and consumer advocate in the field of credit... Read more
This book presents a common man approach to the potental positive side of the use of credit cards. Curtis Arnold has researched and presented this unique approach not to entise... Read morePublished on September 21, 2008 by E. Arnold
Credit card debt is something many Americans fear -- and justifiably so. "How You Can Profit From Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line" is a... Read morePublished on September 4, 2008 by Midwest Book Review