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 3 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.

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

In fact, you would think that there’s not much more that can be done.

Side note: I hope you are realizing power of this information.

It may seem simple, but are you doing it? No. So, be smart. Study this information, reflect on these insights, and move forward with them so you can truly benefit from this secret knowledge.

On to Secret, #4:

1)It’s very important that Utopians cover all bases, and leave no one behind.

The 3 secrets we’ve covered, really deal with those of us who have fairly good credit.

Now, if you don’t have “good” credit, please don’t discard these prior ideas.

I didn’t have “good credit” once. Who cares? How many people, small businesses, corporations, and large industrial countries, have said exact same thing?

2)So, don’t feel left out.

Move towards Credit Card Utopia as a goal to move you into action.

Our website (and many other fine websites around internet) can provide you with many, many resources to work on your debt issues, or your credit score issues, or whatever.

You might be surprised how FAST you can go from point A to point B.

(Here’s a tip: Don’t waste time. Find assistance. Don’t go at it alone.)

3)Getting back on track: Want a zero interest credit offer? Want a low-interest, no annual fee, incentive-based offer?

Well, if you’re struggling with credit or debt, then first step is to tackle this issue from a different point of view.

Give up on Visa®, MasterCard®, and AMEX®…At least “unsecured” kind, and at least for now.

There’s nothing wrong with applying, and trying, but if you’ve been turned down, there are other ways to go.

4)Secret #4, revealed in an analogy:

Do you live in a small town? If you do, you might have a small-town pub. Does everybody know your name? Does bartender know you, and know drink you like? Do you go into your pub after work, and down a stiff one, after a long day of working in coal mines? Maybe it isn’t payday yet. Do you think bartender cares? Of course not! He wants you coming in so he can move his inventory of fine beers and spirits. He knows you. So, what does he do? Let’s say this is 1800s, and there’s no such thing as “credit cards” amongst our meager coal-working small town clan. What does he do?

Right! He runs you a tab.

No interest rates, no worries, no big deal. He runs a tab. Why? Because he knows you’re good for it, and he’s moving inventory. He doesn’t care about interest, because he’s making a profit off sale of his beer. He knows where you live, and he knows you’ll pay him back in a few days when you come in for a drink after you get paid. It’s a virtual certainty.

Now YOU, small-town beer drinking coal worker, you’re perfectly fine with this. The drink costs you same whether you had cash now or later, and bartender runs you a tab, in exchange for selling you more inventory. Everyone works together.

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

5)This concept of free “credit” provided to purchase inventory, is not a new concept.

As you can see, it’s been around for a long, long time. However, in modern times, it has tremendous application for folks with “poor” credit issues.

The secret is that you buy merchandise (On stuff you already need, or are already buying) almost exclusively from merchants willing to give you credit at low to no interest.

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.