Let’s just take a brief moment to recap:

If you’ve been following along on this journey with me, learning 5 Super-Charged secrets to Credit Card Utopia, then you now know 2 very important things:

a)You now know how to take advantage of zero to low interest credit card offers.

b)You now know that there is safety in numbers, and you know magic “Who’s Who” of major credit card companies. You know that one of them, in my opinion, stands out for consumers.

With me? Good. These are both essential foundations that you need to follow in order to live in Credit-Card Utopia.

Now, let me flavor it up for you.

What could be better than zero interest credit cards? What could be better than having best, lowest, guaranteed credit card in your wallet?

1)How about cash? Would that work for you?

How about a big fat check at end of year, in thousands and thousands and thousands of dollars?

Would you like to get PAID thousands of dollars each year, just for spending money that you ALREADY SPEND?

You might realize that I’m not talking DIRECTLY about interest rates. But listen, I can’t get much lower then zero interest. I need you to think creatively with me now.

2)Rewards Cards, otherwise known as incentive-based credit cards. Let’s start there. These are no secret. Many of us have rewards cards. I have several, in fact, and I get many rewards for spending with them. I get airline miles, and I get gas vouchers, and I get discounts at online stores…AND…I get Cash.

But let me talk about a HUGE secret that most people are not yet fully exploiting for their personal and financial gain.

3)My family and I are just now getting into making money with Cash-Back offers:

Cash rebates, Cash-Back cards, those are ones I want to focus on with you here, for a second.

How do these cash-back cards lower your interest rate? Well, at this stage, it’s a semantics game, but if you have 9% interest for example, and you use a cash-back credit card that pays you 3% on all transactions…Well, that’s like getting a 3% discount on rate, so your charge is more along lines of 6%. It’s not EXACTLY like that, but you get point.

More importantly, let’s dig deeper.

4)I’m going to tell you how to TURBO-CHARGE this mechanism, and EXPLOIT IT FOR EVERYTHING it’s WORTH.

You see, your credit card company wants you to spend as much money as possible with their plastic.

Yes, they’d like to charge you interest on debt. But even if you pay it off every month, did you know that they still make a profit on transaction from Merchant fees?

Yes, credit card charges merchant a fee for swiping your card. It can range anywhere from 1% to as high as 6%...

It does not impact you consumer (directly), but it does give you some insight into why you can become business partners with your credit card company.

5)Secret # 3 revealed: Here’s what my family and I are doing:

We use our cash-back credit card for EVERYTHING.

We simply have restructured our spending so that all expenses, or almost all expenses, go through our cash-back credit card.

Grocery stores, restaurants, shopping, dining, gas…Everything. In fact, as of writing of this article, American Express® has developed a Bill-Pay type system so we are able to actually pay some of our bills using our cash-back credit card.

Let’s just take a brief moment to recap:

If you’ve been following along on this journey with me, learning 5 Super-Charged secrets to Credit Card Utopia, then you now know 4 very important things:

a)You now know how to take advantage of zero to low interest credit card offers.

b)You now know that there is safety in numbers, and you know magic “Who’s Who” of major credit card companies. You know that one of them, in my opinion, stands out for consumers.

c)You now know how to take a low interest credit card with a rewards program, and convert it into a money making technology that could seriously improve your financial house.

d)You now know how to work with merchants to harness your consumer buying power, even if you have bad credit, so that you can get low interest, incentives, and discounts through buying on credit.

With me? Good. These are all essential foundations that you need to follow in order to live in Credit-Card Utopia with me.

And NOW…On to FINAL, most important, MOST significant secret that I have to reveal…

Secret # 5 revealed: Living in Credit Card Utopia:

1)I live in a world where there is no such thing as interest rates. There is zero interest, zero annual fees, membership benefits, and perks.

What world do you live in?

2)I live in a world where consumers are ones in drivers’ seat. We are powerful, powerful creatures, us buying-spending-consuming maniacs. We have power to make our own choices about how to wield this mighty sword.

Are YOU a powerful creature?

3)I live in a world where plastic is a money-making technology. I don’t live for plastic, and plastic does not own me. I am my own person, beholden to no one. But, plastic and I…We’re business partners. At end of year, plastic sends me a big fat check for thousands and thousands of dollars, and I take my family on a KILLER vacation.

Are you in business with plastic?

4)I live in a world where nothing is impossible. Life presents obstacles, and I overcome them. NO BIG DEAL…So, while you may not be able to get into pearly gates of Credit Card Utopia right now….Enjoy sitting on front porch, bartering with merchants, while you get your ducks lined up in a row.

Are you lining up your ducks?

5)I live in a world of goals, objectives, action plans, deadlines, and in Credit Card Utopia, good things don’t come to those who wait…Good things come to those who take ACTION, and move towards their goals.

Do you take action? Do you have goals? Are you working towards improving your life?

LIVING IN CREDIT CARD UTOPIA

In Credit Card Utopia, I am totally, totally satisfied. I am at peace with my credit cards, and they love me. We are elite few. We are ones that enjoy low interest rates, cash-back at end of year, and perks, perks, perks.