5)I believe, firmly, American Express® is using concept of pooled membership, to give you KILLER interest Rates, and amazing perks too.

I believe that benefit of this pooled power is passed on to you, as a member of American Express®.

How do I know this? Because I’m a member, and I can attest that interest rates are low, low, low!

For example, as of today’s date, my American Express® Blue (no annual fee, by way) is carrying a 9% interest rate (I also get balance transfer checks all time…See Secret 1.)

6)Are there lower rates out there?

Well, maybe. But, I don’t care. I like fact that I don’t have to go shopping for a low rate. I just KNOW that American Express® IS lowest, if not one of lowest.

It’s just so much less work for me as a consumer, to be a member of AMEX®. No more shopping around.

7)Go with Credit Card Company that takes care of CONSUMER FIRST! .

I don’t mean to sound like a commercial. I also have a Citibank®, and other fine credit cards in my wallet, and our website provides information on ALL major credit card companies, not just AMEX®, so I have no vested interest in one over another.

But secret knowledge here is that American Express® seems to have BUYING POWER to consistently give consumers some of lowest interest rates on market, and that’s what makes them BEST.

8)Check it out for yourself. Do your own research.

Don’t rely solely on this writer’s testimony. Go look around. Compare all benefits, and rates, and rewards programs, and you’ll see. AMEX® has no competition. Not for consumer, anyway.

And in Credit Card Utopia, we always go with best. As powerful consumers, we come first. We NEVER settle for less.

We’ve enjoyed providing this information to you, and we wish you best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.

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Disclaimer: Statements and opinions expressed in articles, reviews and other materials herein are those of authors. While every care has been taken in compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.

For instance, if you’re at an eight-percent interest rate currently, your lender may offer you 6.5 percent because it’s significantly lower than your current rate. Normally, that would be great, but if rates are at 5.5 percent, your lender isn’t doing you any favors. That is why it is so important to be prepared with quotes from other lenders. It lets you know what rates are available to you, and lets your lender know that you’re not going into situation blind.

A wise decision is to treat your current lender as you would any other lender (see examples at: http://debt-solution.biz ). If they do not come in with lowest rate or best service, take your business elsewhere. While it is nice to do business with a familiar face, you are not obligated to refinance with them, and if you can save money by going elsewhere, you should do so.

Written by Craig Romero/Mortgage Analyst