This is Credit Card Utopia. All are welcome here.

So, open your mind.

Open your creative mind, and look at your life as a template for change.

Look in every corner and every crevice, and start clearing away cobwebs and dust-balls of your structured thinking. Find answers. Find solutions. Don’t limit yourself.

Stop thinking like a box, and start thinking like a winding, swirling, ever-changing thread of energy.

Living in Credit Card Utopia, is not about following steps 1 through 5 (although I gladly provide you with mine).

Living in Credit Card Utopia, is about following strange journeys carved out by mysterious neurons in your brain, to solve problems.

I’ve given you 5 creative ways to tackle plastic. But, for my 5 super Turbo-Charged secrets, there must be thousands, thousands more.

Living in Credit Card Utopia, is about looking at your obstacles, and converting them to opportunities.

Living in Credit Card Utopia, is about taking all your assets, and maximizing them to your highest advantage.

Living in Credit Card Utopia, is EASY…If you just open your mind to freedom of possibilities.

The only restriction you have, only thing that prevents you from coming up here with me, only thing that is getting in your way….Is You….

WAIT A SECOND, WAIT A SECOND!!!! STOP!!!

So what IS secret #5, Tom? I’m confused. What are you saying? What is this secret, “LIVING IN CREDIT CARD UTOPIA?” Spell it out for me. I don’t get it…It all sounds really esoteric, and mumbo-jumbo-ish...Come down from la-la land, and tell it to us in plain, simple talk.

I hear you cry.

Let me rephrase,

Let me put it another way,

Let me finally throw all my cards on table...

If you want to “BE” Like me,

And all us Utopians up here….

Then you need to LIVE…

More…

Like a Utopian.

Still unclear? You know, there’s one person that can explain it better than I…Go ask your 5 year old daughter.

She understands. It’s way she is learning, to be just like you.

That’s secret #5, and it truly is most important one.

Welcome to 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.

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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.

Batch Header Fee – At end of each day, you will either close out for deposit, or your merchant account will automatically be set up to close out for deposit. Once this is done, funds will travel through ACH system electronically to deposit funds in your checking account. The batch header fee is applied for each batch closed out for deposit.

Wireless Access Fee – This fee is assessed for merchants utilizing a wireless terminal. Wireless access will allow you to process transactions through wireless network, rather than processing transactions through a telephone landline. There is also a set-up fee for wireless network with will range in cost from $35.00 - $50.00. Once a transaction is completed through wireless terminal, it travels through wireless network for processing. A monthly fee is associated with this. This fee will range in cost from $12.00 - $25.00 depending on your merchant provider.

Gateway Access Fee – This fee is assessed for merchants utilizing Internet processing or a virtual terminal. Once a transaction is completed by customer on your website, or through your virtual terminal, it travels through Internet gateway for processing. A monthly fee is associated with this. This fee will range in cost from $20.00 - $50.00 depending on your merchant provider.

Statement Fee – This is monthly fee for statements, reports, customer support and service costs associated with your merchant account.

Monthly Minimum – Most merchant providers access a monthly minimum associated with your Visa/Mastercard merchant account of $25.00. In other words, if you processed $1,000.00 in sales and your discount rate is 2.39%, your total amount of discount fees would be $23.90. However, monthly minimum is $25.00. You would pay an additional $1.10. Should your sales exceed monthly minimum, monthly minimum would not apply.

Annual Fee – Some merchant providers will charge an annual fee for your merchant account. These annual fees can range in cost from $50 - $195.00.

Termination/Cancellation Fee – Most merchant providers have a policy regarding termination/cancellation fees. These fees range in cost from $75.00 all way up to $1,500.00. In addition there is a specified time period to remain with merchant provider – from 12 months all way up to 36 months. It is important to understand this and have this fee clearly in writing before signing your merchant agreement. A huge cancellation penalty can be very costly.