** SPECIAL OFFER:
Buy 1 book, get all 3!
(This is a time-limited offer so act today!)
Talk Your Way Out of Credit Card Debt: Phone
calls to banks that saved more than $43,000 in interest charges and fees!
by Scott Bilker
OFFER Price: $19.95
$19.95 + $7.75 Shipping = $27.70
Note: All 3 books normally
list for $49.85
Ships within 24
ISBN's: 0964840154, 0964840197, 0964840138
Three books for the price of one!
TO SAVE YOU MONEY!
If you don't believe that Talk Your Way Out of Credit Card Debt can
save you 10 times the cost of the book, then you can return it for a
full refund and keep the other books as a gift! That's how confident
I am that you will save money!
Special Offer Includes
About Scott's latest book
Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money!
It's true! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That's because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don't know what to expect.
Bilker, author of Talk Your Way Out of Credit Card Debt, and creator of
DebtSmart.com, has spent 10+ years making banks compete for his business. Now, he's sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn't, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs. :)
In this book you will discover proven negotiation strategies, and build your confidence, while learning how to: (1) get annual fees waived; (2) lower your current interest rates; (3) shop for the best credit card deals; (4) get late-payment,
overlimit, and cash-advance fees waived; (5) compare loan options and calculate savings; (6) dispute charges and get all your refunds; (7) negotiate account settlements; and much more!
"Scott, I wanted to thank you. I
ordered your books a few weeks ago and read them right away. I had an
incredible amount of confidence when I called to get my credit card rate
lowered. It was so easy! They lowered my rate from 10.45% to 3.9% (for a
large balance too) for the life of the balance, with no fees. I calculated
my savings at $3,968. WOW! Thanks again for your terrific advice!"
—Lisa Harris, DE
"When it comes to saving money,
there are some deals that are no-brainers. Take Scott Bilker's book Talk
Your Way Out of Credit Card Debt: Phone Calls To Banks That Saved More
Than $43,000 In Interest Charges and Fees! for example. Not only does
he show you how to talk to bank card representatives to lower interest
rates, get fees waived and deal with credit card disputes & billing
errors, he guarantees you will save over $200 in the process of using his
advice or he'll give you a full refund of your money (and keep two other
credit card management books for free to boot). It's not often that we are
guaranteed a risk-free 1000% return on our money. There's solid advice in dealing with the run-around that representatives
are bound to give and making sure you reach to a supervisor who will have
more power to help you. While it would be great to have Bilker there
negotiating with your credit card company for you, the book is the next
best thing to having him make the calls himself."
—Jeffrey Strain, SavingAdvice.com (Read
entire SavingAdvice.com review)
"A valuable book from day one! I was
shopping for a book that would help me with the credit card debt I have
accumulated. I chose this book. It has proven to be very beneficial to me.
It contains a large amount of information your banks don't want you to
know. My first night of reading the book, I got up to about page 70 and
made my first phone call, with the intent of gaining information about the
account and possibly getting a fee reversed. I ended up getting a $50
credit to the account, relatively easily. I cannot praise this book
enough! If you need to reduce your credit card debt, this book may very
well be your solution."
—Monica Rice, PA
"I just got your books and was
inspired to call my major credit card to ask for a reduction in APR. The
current rate is variable 12.74%; with a $10000 balance that's costing more
than $100 per month in interest. They reduced that rate to 9.9% with no
discussion. But here's where I really benefited from having read your
book: In talking about that rate, the account supervisor told me they will
wire cash advances to my bank account for only 2.99% APR. They will
provide as much as $10K per month. So, I could reduce the 19.74% rate to
2.99% rate by having the money wired to my bank and then writing a check
to pay off the entire balance! Amazing-- they told me how to save money.
So, I just wanted to say that I feel I've
already gotten my $19.95 worth from your books. Thanks!"
"I have recently found your book Talk
Your Way Our of Credit Card Debt and it has really helped me. I
have had excellent credit until very recently. I had an automatic payment
through the credit card. A few months ago, the minimum payment was $3 over
what I had set as the auto pay. I had not noticed that there was a
difference until too late. This one time problem cause my interest rates
to go up from 3.9% fixed balance transfer rate and a 13% purchase rate to
24.9% and 5.9% fixed balance transfer rate and a 10.9% purchase rate to
27.9%! It affected more than just the one card. I read your book and
called customer service on all of my credit card today. I had amazing
success. Most of my interest rates went back to their original rates and a
few I was able to get lower! One account would not budge, so I transferred
to a lower rate. Thank you!!!! You have save me a bundle of
"THE CONFIDENCE YOU NEED IS
CONTAINED HEREIN...I had the same problem most of you
reading this have. But after reading this book from cover to cover, I was
awashed with a new vigor and confidence to launch a strategic war of words
with the credit card telephone handlers. As you read thru the transcripts
of the author's actual calls, picture yourself talking on the phone with
the same savvy as he. Then close the book, put up your over charged, over
penalized, and over interest rated bill and MAKE CALLS! Show them that you
are taking CONTROL of your finances and relish the experience of sticking
up for yourself."
—Amazon.com reader (madinventor) from Brooklyn, NY
"I ordered your books and studied
them and I have read your newsletter for quite some time. I had close to
$55,000 in credit card debt with high interest rates. Following your advice
I did balance transfers until I was able to get the interest rate to 3.9
percent and I have paid off four cards and cancelled them. In two years the
total has dropped to about $25,000 and is dropping fast with the low
interest rate. My son lost his job 7 months ago and your advice saved their
home. Keep up the good work and especially keep telling everyone not to
trust the banks who issue the credit cards."
—Jimmy Thomas, Texas
"I had to write and thank you so
much for the book. I just got it yesterday afternoon and started reading
it. This morning I decided to try it out on one of my cards that has a
very high interest rate. This card had been only about 9.99%, but the
interest rate skyrocketed last May and I didn't know why and I really
didn't know what to do about it. I called the company this morning and in
less then 5 minutes I found out why (I'd had trouble with another card
issued by the same company) and got the interest rate lowered from 23.99%
to 8.99%. One point lower than it had been before! This one call paid for
the book and way more. I figured out how much I saved. It's a good thing I
was sitting, because I'm sure I would have fallen on the floor when I
realized I saved $10,706.50."
—Jill King, Philadelphia, PA
"The best book there is on the
topic! I unexpectedly run into high debt. So far, I just got this book 2
days ago. I made three phone calls, saved $85 dollars fee for a credit card
and about $3,000 in interest charges on one credit card. And this is just
the beginning. Extremely helpful book. I honestly recommend it to people
like myself because there is always a solution and this book gives me
—Amazon.com reader from Brooklyn, NY
"This is a fantastic book! Bilker walks you through the entire phase
of dealing with creditors, on several different issues! If you have ever
called a credit card company to discuss lowering your interest rates, or
requesting a waiver on that annual fee, you know how humiliating they can
make you feel! Bilker teaches you how to gain control and show them who's
—Alyice Edrich, TheDabblingMum.com
"Scott Bilker is one of the most
effective negotiators that I know. If you're going to
be talking to credit card companies it's well worth getting his book Talk
Your Way Out of Credit Card Debt."
—Tom Allan, host of the I Hate Debt radio show in San Diego, CA
"....before I start singing the
praises of Mr. Bilker's prose style, or his innovative use of trochees and
spondees in the anapestic diptych (or whatever), I must admit that when I
picked up this nattily turned-out trade paperback, I wasn't exactly
expecting William Morris's The Life and Death of Jason....What
I did get was a surprisingly witty and to all appearances effective how-to
manual for hoodwinking these bloated social parasites that we now know of by
the euphemism "banks" into cutting us a little slice of economic
justice now and then. Granted, the power is entirely on the side of the
large financial institutions, such that Mr. Bilker's winning tactics often
shed their savor of victory in a larger context....with the help of Mr.
Bilker's book, one can fight a series of strategic rearguard actions, and
manage to cut one's losses a bit. After all, there's no sense in completely
rolling over and playing dead -- before it's time, anyway."
—Victoria Acroyear, Circle
entire Circle Magazine review)
"Talk Your Way Out of Credit Card
Debt provides solid advice on getting your rate reduced, annual
fees waived, removing a late payment fee, handling disputes, and many
other common problems when dealing with credit card companies. More than
just advice, it is a collection of detailed examples of phone calls
including complete transcripts. Each transcript demonstrates how the
author handled a particular issue and the results of the call. Not content
to just give one example of getting an interest rate lowered or removing
over limit fees, each type of problem has several transcripts so you can
get a good feel for what to expect and how to handle it. Most people are
not aware of how much power they have when dealing with a credit card
company and how to get things changed. This book walks the reader through
the process from beginning to end and is a recommended read for anyone
looking to gain control of his or her credit card situation."
—Harold McFarland, Editor, Readers Preference Reviews
"Scott Bilker lays out a variety of
scenarios involving debtors and collectors. He presents several options
for coping with each situation, then he takes it a step further by
providing a suggested script for dealing with the debt. He also covers
things like lowering or eliminating annual fees, getting lower interest
rates, dealing with late fees, obtaining cash advances—you name it. This
guy's clearly experienced in dealing with financial institutions at the
consumer level, and he understands how to play the game. You don't have to
use his exact words, but Bilker's dialogue is a good place to start. I
haven't road-tested any of his scripts, but the needle on my bovine
excrement detector didn't move, so give it a shot."
—Richard Pachter, Miami Herald
"Talk Your Way Out Of Credit Card Debt by money management
expert Scott Bilker is a straightforward, "user friendly" guide
to negotiating with credit card banks for better interest rates and
getting fees waived. Offering tested strategies for the waiver of annual
fees, late payment fees, cash-advance fees and more, shopping for the best
credit card deals, comparing loan options, getting refunds, and more, Talk
Your Way Out Of Credit Card Debt is very highly recommended reading.
Bilker's finance evaluation strategies are extremely useful, even to those
who choose to carefully avoid getting into credit card debt in the first
—Midwest Book Review
“In this informative and often entertaining manual, Scott
Bilker tells credit card holders how to really take charge
of their debt situation by showing exactly how he does it
for himself and his friends. Each chapter briefly introduces
a topic like “Lowering Your Interest Rate” or “Disputes,
Chargebacks, and Errors” before providing transcripts of
actual phone calls that Bilker made to various bank officers
to strike dollar-saving blows for the common man. Besides
disguising the names of the guilty (banks are renamed after
dog breeds, and bank officers after insects), Bilker
presents an audio-verité guide to saving money and
regaining a real sense of control of your finances.“
—D. Patrick Miller, Fearless Books (Read
entire Fearless review)
"Talk Your Way Out Of Credit Card Debt: Phone Calls To Banks That
Saved More Than $43,000 In Interest Charges and Fees! is a great book
about negotiating with credit card companies to reduce interest rates and
eliminate fees. This advice can save you thousands of dollars, if you
carry a credit card balance. The savings Bilker achieved were significant.
In one phone call, Bilker got the bank to lower the interest rate from
13.72% to 8.75%, saving $4,320.00, based upon the existing credit card
balance. I highly recommend Talk Your Way Out of Credit Card Debt
to anyone who carries a balance on his or her credit cards or anyone who
wants to gain skill in negotiating with a credit card bank to reduce
interest rates or eliminate fees. Following Bilker's advice can save
thousands of dollars in credit card interest and fees."
—Peter Hupalo, Entrepreneur Books
entire Entrepreneur Book review)
—Jim Barnes, Managing Editor, Independent
"I don't know why a book like this has been written sooner. It
contains so much common sense advice, I can't believe I didn't think of
these things myself sooner. Thanks to Bilker's book I was able to take
detailed notes, including names on promised rates for my IRA. When the
promised rates didn't appear on my next statement, I was able to talk my
way through many layers of resistance and finally get the original deal I
was promised. I highly recommend this book to anyone with debt or who
deals with any financial institutions for any reason."
—Jon Del Russo, Ph.D.
"This book is amazing. Reading it has opened our eyes to how much
money we have been allowing to slip through our fingers unnecessarily. All
my husband and I did before reading this book was complain about the
outrageously high cost of borrowing money on credit cards. Since reading
Bilker's detailed how-to-book, we have actually been able to call banks
and save money. We couldn't be more grateful!"
“I tried calling my credit card bank and
using one of the things you said on Friday’s TV show. Well, I called and
they raised my limit to $1,000 from $300 and dropped my rate from 17.9% to
15.3%. Thank you!”
“After watching Scott demonstrate how to talk to the credit card
companies, I not only know what to expect, but I am capable of, and
comfortable with, negotiating with the banks for myself!”
"I give this book my full recommendation! I've never seen a
more detailed how-to book. If you have a credit card, you need this book!
I think Scott outdid himself on this one. Almost everyone I know, and
myself included, has been intimidated by credit card banks. To have an
actual script to follow for all situations will be a godsend to a lot of
people. Talk Your Way Out of Credit Card Debt is the one book that every
credit card holder should have."
—Terry Rigg, Editor of The Budget Stretcher
"5 stars! Easy to understand, anyone can use it, very informative. I
used Scott's advice in the book about calling the credit card companies and
having the interest rate lowered on my credit card. I have learned what I
need to say and how to negotiate. Whatever you need to know its in the book.
Before I called I had a 14.99% for purchases and 19.99% for cash advances.
After speaking to the representative for 7 minutes I had my rate drop to
12.99% for purchases and 14.99% for cash. Not only that but I have another
card with them and the rate went from 19.99% for both to 15.99% for both.
Not bad for 7 minutes. I wish everything was this easy. Total Save
—Scott Morey, NJ (Truck Driver)