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Talk Your Way Out of Credit Card Debt!: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees | 
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| Author: Scott Bilker
Publisher: Press One Pub.
Category: Book
List Price: $19.95
Buy New: $10.00
You Save: $9.95 (50%)
New (5) Used (13) from $6.93
Rating:  25 reviews
Media: Paperback
Pages: 320
Number Of Items: 1
Shipping Weight (lbs): 1
Dimensions (in): 8.9 x 6 x 0.7
ISBN: 0964840154
Dewey Decimal Number: 332.02402
EAN: 9780964840157
Publication Date: March 1, 2003
Availability: Usually ships in 1-2 business days
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| Editorial Reviews:
Product Description
Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money! It's true! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That's because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don't know what to expect. Scott Bilker, author of Talk Your Way Out of Credit Card Debt, and creator of DebtSmart.com, has spent 10+ years making banks compete for his business. Now, he's sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn't, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.:) In this book you will discover proven negotiation strategies, and build your confidence, while learning how to: (1) get annual fees waived; (2) lower your current interest rates; (3) shop for the best credit card deals; (4) get late-payment, overlimit, and cash-advance fees waived; (5) compare loan options and calculate savings; (6) dispute charges and get all your refunds; (7) negotiate account settlements; and much more!
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| Customer Reviews:
Showing reviews 1-5 of 25
 COMMON SENSE! February 21, 2010
Kenneth E. Murray Jr.
The book is okay. Basically just plain old common sense. The introduction and preface is all you really need to read to comprehend the value of the book.
It works, It really works! November 30, 2009
B Moore (US)
This is my first review. But it was nice to find a self help book that actually helps. As the author says, it does take patience and persistence and (as with sales calls) not every call will succeed every time. However, the book does provide a blueprint anyone can follow.
First, I suggest doing the preparation work laid down in the book. This process will give you a roadmap to follow, the process will probably also open your eyes and gets you motivated to take action - tip: using Microsoft Excel helps.
Then, I found the phone calling scripts helpful in building confidence to make the calls and knowing just what to say. To my surprise, my first call went just as the book predicted and resulted in getting a 50% rate reduction. The experience was very empowering.
The book is an easy read and does not waste too much time telling why you are in trouble and why you need to get out of trouble. Instead, it gets you busy right away on the techniques you can use to take control of your debt.
 These reviews are not true-- in my opinion July 10, 2009
T. Guez (MA, USA)
2 out of 8 found this review helpful
I am sick and tired of all this marketing tricks. It is very clear that most of the reviews written about this book are actually written by people marktng this book under different account names. It is very clear that these reviews are sales pitches for the book.
I have read enough real reviews of products, and get my own products reviewed by many customers. These reviews are fake- in my opinion. And this is a clear sign that this book, it's publishers, and author, are not honest people you should trust.
If you have any problems with what I wrote here, feel free to contact me.
 Saved over $1500 by reading this book April 22, 2009
PJ Kitzler
Following certain chapters in this book, I was able to save my sister over $1500 in just a few hours. For anyone who is trying to raise their credit score, get a handle on their debt or better inform themselves about the world of credit.
 Title is a little misleading December 11, 2008
B. rogers
3 out of 4 found this review helpful
It's a good book but I think it should be called talk you way out of credit card fees. It did save me $48 on the annual fee on my credit card. I just had to ask and then politley threaten to close the account when they refused. They quickly agreen to refund the annual fee so it was worth the money just for that reason.
Showing reviews 1-5 of 25
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