Review of "Talk Your Way Out of Credit Card Debt" by Scott Bilker
by
Jeffrey Strain |
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| Jeffrey is the owner of
SavingAdvice.com - a website dedicated to saving you money. |
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.
Bilker made hundreds of calls
to credit card companies for himself, his family and his
friends to try and get better credit card deals and to find
out what calling strategies work and don't work when
contacting credit card companies. The results presented in
the book are 52 full transcripts of calls to credit card
companies he actually made and an analysis of each.
Bilker realizes that although
it may appear simple to call a credit card company and ask
for a better deal, it's extremely helpful to have a well
thought out plan before and to know exactly what to say when
a pressure situation arises. This includes having your
"deal breaker" handy - the action you'll take if
the credit card company fails to make a reasonable
compromise on your request. He also emphasizes the art of
bargaining power by showing how to keep all your credit
options open.
The book will be most
beneficial for those who carry a credit card balance and
would most likely have a harder time when negotiating with
credit card companies. 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.
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