WINNER 2013 INDEPENDENT PUBLISHER LIVING NOW BOOK AWARD GOLD MEDAL
for the best new book in Finance/Budgeting. Do you have a credit
card? Roughly 70% of adults in the U.S. do. In fact, Americans
average 3.5 credit cards per person - that's a lot of plastic Even
with all that buying power in their wallets, most consumers have no
idea the ways that they use (or misuse) their credit cards can
affect their health, their relationships, and their credit scores.
Many factors go into mounting credit card debt: impulse shopping,
health emergencies, the loss of a job, marriage, divorce, a death
in the family. With this debt comes stress, arguments, loss of
sleep, inability to pay other bills, worry, health problems,
crumbling relationships... Does any of this sound familiar?
Increasing credit card debt and a lack of knowledge about how
credit cards really work have created a new social phenomenon
called "The Plastic Effect." And if you have a credit card, The
Plastic Effect can affect YOU. In this new book, internationally
recognized credit card expert, Polly A. Bauer, CPCS and attorney
Stephen Lesavich, PhD, JD, have selected 25 of the most common
urban legends influencing the use and misuse of credit cards. The
authors, as business leaders and credit card users, walk you
through these urban legends about how credit cards are used and
misused, explaining what is true and what is likely to cause you
trouble. You'll get access to resources and additional information
about each urban legend, tips from industry experts, and guidance
that will help you use your credit cards more intelligently and
effectively. You'll also learn how to understand your credit
reports, improve your credit score and manage your debt in a way
that puts the power back in YOUR hands. In short, this book will
help you break free of The Plastic Effect.
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