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The Skinny on Credit Cards: How to Master the Credit Card Game Perfect Paperback – April 1, 2009
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"The Skinny on Credit Cards discusses a complex financial matter...in a way that even someone with no credit history can easily understand. This is no small achievement." --Curtis Arnold, Founder, U.S. Citizens for Fair Credit Card Terms, Inc., Author
"Written in an easy to understand style, and with a good dose of humor, The Skinny on Credit Cards gives the reader everything he/she needs to know to use credit cards more responsibly. A must read for teens and adults alike." --James Roberts, Professor, Baylor University
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Top Customer Reviews
*** What I LIKED:
- The book succeeds in helping ANYONE understand credit cards
- In spite of the low-tech stick figures it employs, the book succeeds in creating a storyline that keeps the reader reading
- It humorously delivers its important messages
- It can be read in about an hour, yet the information and wisdom it imparts can guide a person for a lifetime
- It explains the "Rule of 72" and the FICO credit score
- It's up-to-date with the recent federal law changes that were passed in 2009
- It defines words like "median" and "algorithm", so it doesn't talk over the reader's ability to understand
- It takes a neutral stance on the debate whether people should EVER use credit by presenting a variety of viewpoints from well-known gurus like Dave Ramsey, Suze Orman and Liz Pulliam Weston.
- It has a good "Further Reading" section at the end of the book
- It concisely names "15 Important Points" about credit cards at the end of the book
*** What Could Be Better:
- The book sometimes cites its sources for the statistics it shares, but often times, it doesn't. I like to know the source of any statistic.
- It lacks an Action Plan at the end of the book that tells the reader the next steps to take (especially if the reader is in credit card debt)
- No index. Even this book would benefit from an index.
- Stick figures are, quite simply, unimaginative and boring to look at!Read more ›
The towels and t-shirts were not for sale, but for filling out a credit card application. The nice young people manning the booths were quick to point out that there was no obligation to use the card. "There is no catch," one of them said.
All you had to do was fill out the application and they would immediately present you with a towel or t-shirt. And if your application was approved, the new credit card would shortly arrive in the mail.
I had a feeling that there was a catch. I took one of the applications, and between innings, I looked at the fine print. Once you charge an item, there was a 28-day grace period where you would not be charged interest. However, if you didn't pay the full amount, you would hit with an annual 21% finance charge. I tore up the application.
I didn't fall for the ploy. However, I saw plenty of other folks signing up and walking away with Mets beach towels and t-shirts. They may have been free for that day, but I would bet that they would turn out to be the most expensive towels and t-shirts they had come to own. I am sure that many of the naive baseball fans would never have applied for the cards if they understood the fine print.
Too bad these folks didn't have a copy of The Skinny on Credit Cards. Unlike many personal finance books that use long paragraphs to explain the perils of credit card debt, this book uses the "Power Point" slide approach. In a page or less it explains how APRs work, why it's important to pay in full every month, and why credit card companies are not your friend.Read more ›
Jim Randel narrates the story of Billy and Beth, a typical young couple, who have run up $ 25,000 in credit card debt. Using the familiar format of the "Skinny On" series the book uses illustrations created by Malinda Nass to accompany the narrative with stick figure drawings, humorous dialog, and summary statements which give concise, yet a comprehensive distillation of hours of research and reading. The quotes and references are well documented and include a list of resources for future reading or study.
Key principles are presented, reviewed, and reiterated in summary statements. I am impressed with the amount of information I have assimilated and retained in each of the "Skinny On" books which I have read. I find the books ideal for ready reference in my home office library.
I highly recommend "The Skinny On Credit Cards" for anyone wanting to:
Escape from credit card debt, improve their credit score, lower their interest rate, avoid paying fees, and identify credit company tricks. I consider reading and applying the principles presented in the book as an investment in peace of mind.
Most Recent Customer Reviews
Great book! Was super fast and easy to read and understand. Wish it had a little more on credit scores.Published 16 months ago by Christine Ringsted
I was rely interested in this book. The reviews are relatively good but................I can not evaluate this book for purchase without a table of contents and index. Read morePublished on March 14, 2014 by Honest Sam
I liked it and learned quite a bit but it is outdated. I did check on my credit cards and made some changes as a result of this. Read morePublished on December 10, 2013 by Jackie Daley
bored of some credit books?try this one ,so funny ,i love it and so easy to understand ,teach you how to learn more about credit cardPublished on July 3, 2013 by Tina
Here is a simple, but not simplistic, look at the world of credit cards.
Beth and Billy are your average married couple who suddenly find themselves with a lot of credit... Read more
This is a great book for the credit card novice and pro alike. This book should be handed out with every new credit card! Read morePublished on November 21, 2011 by G. Richardson
Not only is the text painfully small but it's as though you're trying to read a bad mimeograph copy. As for content, this is credit card 101 not instruction for "mastery". Read morePublished on February 28, 2011 by ielegend