San Diego, CA. - A new, free eBook, Credit Card Insider
Tips, shows both counselors and consumers ways to reduce
credit card debt, how to negotiate lower credit card
interest rates or an increase in credit limits. The
author, Cindy Morus, of Hood River, OR. has been an ICFE
Certified Credit Report Reviewer (CCRR) since 2004.
A former self-confessed financial failure and "desperate
housewife", Cindy has coached hundreds of people to
financial well-being. She leads a team of financial
coaches who empower people to become financially savvy and
secure with her MoneySmart Woman program.
As a CCRR, Cindy Morus knows that most consumers are in
the dark about how credit card companies play the money
game. Even fewer know the do's and don'ts of smart credit
negotiation. "You have to know what you're doing", Cindy
explains, "so that you can negotiate effectively without
jeopardizing your credit score."
If you have a credit card you need to read this eBook,
whether you're currently carrying a balance or not. Many
of Cindy's students have saved thousands by using this
valuable information. But Cindy also shares insider
secrets about the credit card industry that most consumers
never hear about - like how consumer credit scores can be
penalized just for talking to the credit card company. The
eBook tells readers exactly what to say to stay out of
trouble.
Curtis Arnold, Editor of CardRatings.com, says, "What I
love about Cindy's approach is that she doesn't just
explain ideas". She literally provides readers several
scripts that tell you exactly what to say and what not to
say when you call up the credit card companies. It's
something anyone can do - and they will get tremendous
financial benefit by simply following Cindy's directions."
You can get your free copy of the eBook: Credit Card
Insider Tips at
www.CreditCardInsiderTips.com