Only shop with merchants that scratch your back.

With me?

6)Now, where do you find these merchants?

Well, in real brick and mortar world, it’s not that hard.

You can start with department stores, gas cards, furniture outlets, electronics stores, jewelers, and a variety of other stores that you may do business with.

I can’t guarantee, of course, that they’ll approve you. But many of these merchants run their credit departments in-house, and like our bartender, they’re interested in moving inventory.

So, I wouldn’t take one “no” to mean that everyone will say “no”. Not true.

Many of larger corporate chains do not offer low to no interest rates. But almost ALL of them offer huge discounts on initial purchases as incentives to get started.

As of writing of this article, for example, JCPenney® and Target® both offer 10% discounts on “new accounts”. In addition, most of them do offer zero interest when balances are paid off each month, and some of them offer different plans to meet different customer’s credit situations.

Also, look to no-interest incentive specials that are going on for many larger-ticket items. Televisions, Furniture, etc.

You’ll also find many deferred-payment incentives that you can use to your advantage, or that you can utilize as a no-interest situation.

You just have to shop around. They are out there.

7)Now, what about cyber-space? Is there a place to take advantage of this back-scratching secret in Silicon? Actually, YES! There is. Check this out:

Many shopping portals online have realized advantage of working with “poor” credit customers, and tailor-making a shopping experience that fits these specialized needs. We’ve listed several at our website, but of course, you can find them at any search-engine or at other reputable websites around internet.

In a nutshell, shopping website offers a membership card for making purchases on credit. You go to online mall, make your purchases for things you would already buy anyway, and build or rebuild your credit score. The shopping portal helps you out by reporting your credit activity to major credit reporting bureaus, which in turn, improves your credit history.

In addition, membership benefits often times include such things as travel discounts, rental car discounts, and FREE credit reports.

They almost always advertise guaranteed credit lines of up to $7500, and incentives for joining can include free merchandise (such as a free DVD player), or a merchandise voucher.

Look for 30 day money-back guarantees, and look for no annual fees, and yes, look for “NO INTEREST” on credit.

Most of these sites will require an upfront membership fee, but then they immediately turn around and provide a merchandise voucher. For example, one portal charges $150 for upfront membership fee, but then immediately provides a voucher of $200 for merchandise at their site.

Because their customers generally have a history of poor credit, they do sometimes require an initial payment, or “down payment” on purchases until a relationship is established, but hey listen. So what? If you have credit issues, then you have to start rebuilding credit relationships somewhere. It sure beats Layaway!

What a creative way to solve this problem. Everybody wins.

You scratch my back, and I’ll buy some more beer!

Meanwhile, you’re moving closer and closer to pearly gates of Credit Card Utopia!

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.

Publisher’s Directions: This article may be freely distributed so long as copyright, author’s information, disclaimer, and an active link (where possible) are included.

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.

6)Let me ask you something. How much money do you spend every year on expenses?

Don’t get your calculator out, because answer is simple. You basically, spend….AS MUCH AS YOU MAKE…

The vast majority of us do. So, let me ask you same question a different way: How much money do you make?

How much is 3% to 5% of that?

I’ll give you an example. If average household income (and expenses) were around $50,000, then that means a savvy consumer, with a cash-back credit card, could generate a check every year of between $1500 and $2500.

7)Holly Cape Canaveral, Batman!!! That’s $2500 free cash dollars, every single year!

What would YOU do with all that free money? Buy a vacation, a new TV, some jewelry?

Are you getting it, now?

You must start looking at Cash-Back credit card as more then just an incentive or reward.

Frankly, it is a new source of income.

8)Now, here’s nitty-gritty on how we do this. It’s simple.

The first step, is we gathered all our credit cards, put them in an envelope, and put that envelope in our lockbox in attic. We replaced all our plastic in our wallet with cash-back credit card of choice. We also put an emergency debit card in our wallet, but primary method now for spending, is to use cash-back card. This takes care of gas, food, restaurants, etc.

The second step, is process of restructuring expenses through online bill-pay system with our cash-back credit card company.

We re-route as many expenses as possible through our cash-back card. It takes a little time, and doesn’t happen in one day.

But do legwork. Be a smart consumer like my family and I.

9)There’s a perk, too!

The perk is outstanding! Have you considered, that my family and I only really have one payment a month to make? That’s goal we’re moving towards anyway.

So, think about how many bills you pay each month. Wouldn’t it be nice to just make one payment out for all your expenses, rather then a check to gas-card, a check to utilities, a check to Credit Card Company, etc.?

Think of convenience and time saved, to just make one payment out each month.

10)A lot of information to take in, yes? Let’s pause here:

If you’ve followed my train of thought, then you’ve come to Secret knowledge of how to extract and exploit power of these cash-back cards for everything they are worth. If you do this, even just first part, you will take a money saving incentive program, and turbo-charge it into an actual income producing technology!

Pretty, cool, huh? SHHH! It’s a Utopian secret.

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.

Publisher’s Directions: This article may be freely distributed so long as copyright, author’s information, disclaimer, and an active link (where possible) are included.

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.