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Credit Card Negotiating 101

Credit Card and Personal Finance Coach takes you through the
     steps to lower interest rates and monthly payments.

For full details and information on Credit Card Negotiating check out our eBook

                 “How to Beat the Banks”
           Available at www.creditcardnegotiations.com
Credit Card Negotiating 101
Credit Card Negotiating 101 teaches all the
  steps involved in working with the banks
  and credit card companies.

Our goal is to help you better understand
  your interest rates and the payments on
  your accounts.

The following pages outline the steps that you
  should follow before calling any bank!
Credit Card Negotiating 101
Get organized and prepared.
 Most people do not know what their
  interest rates are or where to find them.
 Our simple process explains how to get
  started right to achieve the best results.
 We help and teach you how to be more
  successful with your personal finances
  and credit cards.
Credit Card Negotiating 101
Step 1: Document all your debts
Write down each one of your creditors you
  have a credit card or line of credit with.

 Bank Name
 Account Number *(1234-5678-9876-5432)
 Interest Rate(s) *(15%,23.9%,29.99%)
 Balance, Payment and Available Credit
Credit Card Negotiating 101
Step 2: Track and Write down all monthly expenses and income

This exercise will enable you to know exactly how much money you need to
    pay your monthly bills and expenses.

Make sure to include the household monthly income from all people who
   help to pay the bills.

 Write down every bill - all monthly expenses (mortgage, auto, food,
  gas, utilities, phones, insurances, etc.). Total all expenses.
 Write all combined monthly incomes (job1, job2, pensions, retirement
  income, social security, etc.)   Total all income.

        Monthly Income – Monthly Expenses = Debt to Income Ratio
        Example: $6k monthly income - $5k expenses = $1k available cash

   By completing this exercise you will determine whether you have
    available income or increasing monthly debt

    Full details available in our eBook: www.creditcardnegotiations.com
Credit Card Negotiating 101
After completing steps 1 and 2 the game planning starts!
You will have a better understanding of your finances and will
    help to answer other questions that can come up. This part
    of the Financial Analysis helps to guide you in the right
    direction.

If you have more expenses than income each month:
 Learn a game plan to reduce your monthly deficit
 Know what you want before seeking out help from the banks
 Budgeting, how much can you really afford to pay


If you have more income than expenses each month:
 Work on additional ways to save money on your accounts
 Know what debt ratio you can comfortably afford
 Design a payoff timeline for your existing accounts
Credit Card Negotiating 101
At this point you might be thinking ok, now I’m ready to call my
    bank for a better interest rate! If you did go ahead and call
    the bank, you “might” get a lower interest rate! You may
    also get declined for a lower APR!

But do you really know why you got a lower APR or did not get
   what you are looking for? If you do get declined, what next?

In the eBook we have listed everything that the banks look for
    when someone calls about lowering their interest rates. The
    banks will not tell why you did or did not get a better APR.
    Their computer will tell you “YES” or “NO” about lowering the
    interest. The eBook explains all the details. With the
    information provided, you will know who to call, what to do
    and say to the bank representative.
     For more information check us out at www.creditcardnegotiations.com
                  Email: sdfinch@creditcardnegotiations.com
Credit Card Negotiating 101
      Don’t wait any longer, get your copy now!
About SD Finch Consulting and eBook

  Hi, my name is SD Finch and for the past several years I
  have helped over 1,300 people lower interest rates on
  their credit cards. As a financial counselor and credit card
  debt negotiator for a Financial Advisory firm we have
  documented the success strategies to help people like
  you successfully negotiate lower interest rates. This
  includes the most effective techniques, all bank programs,
  bank phone numbers into direct departments and
  instructions on what the banks will and will not do.

  One on one personal coaching is available also!
        www.creditcardnegotiations.com/consulting
           sdfinch@creditcardnegotiations.com

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How can i lower my credit card interest? PART 1

  • 1. Credit Card Negotiating 101 Credit Card and Personal Finance Coach takes you through the steps to lower interest rates and monthly payments. For full details and information on Credit Card Negotiating check out our eBook “How to Beat the Banks” Available at www.creditcardnegotiations.com
  • 2. Credit Card Negotiating 101 Credit Card Negotiating 101 teaches all the steps involved in working with the banks and credit card companies. Our goal is to help you better understand your interest rates and the payments on your accounts. The following pages outline the steps that you should follow before calling any bank!
  • 3. Credit Card Negotiating 101 Get organized and prepared.  Most people do not know what their interest rates are or where to find them.  Our simple process explains how to get started right to achieve the best results.  We help and teach you how to be more successful with your personal finances and credit cards.
  • 4. Credit Card Negotiating 101 Step 1: Document all your debts Write down each one of your creditors you have a credit card or line of credit with.  Bank Name  Account Number *(1234-5678-9876-5432)  Interest Rate(s) *(15%,23.9%,29.99%)  Balance, Payment and Available Credit
  • 5. Credit Card Negotiating 101 Step 2: Track and Write down all monthly expenses and income This exercise will enable you to know exactly how much money you need to pay your monthly bills and expenses. Make sure to include the household monthly income from all people who help to pay the bills.  Write down every bill - all monthly expenses (mortgage, auto, food, gas, utilities, phones, insurances, etc.). Total all expenses.  Write all combined monthly incomes (job1, job2, pensions, retirement income, social security, etc.) Total all income. Monthly Income – Monthly Expenses = Debt to Income Ratio Example: $6k monthly income - $5k expenses = $1k available cash  By completing this exercise you will determine whether you have available income or increasing monthly debt Full details available in our eBook: www.creditcardnegotiations.com
  • 6. Credit Card Negotiating 101 After completing steps 1 and 2 the game planning starts! You will have a better understanding of your finances and will help to answer other questions that can come up. This part of the Financial Analysis helps to guide you in the right direction. If you have more expenses than income each month:  Learn a game plan to reduce your monthly deficit  Know what you want before seeking out help from the banks  Budgeting, how much can you really afford to pay If you have more income than expenses each month:  Work on additional ways to save money on your accounts  Know what debt ratio you can comfortably afford  Design a payoff timeline for your existing accounts
  • 7. Credit Card Negotiating 101 At this point you might be thinking ok, now I’m ready to call my bank for a better interest rate! If you did go ahead and call the bank, you “might” get a lower interest rate! You may also get declined for a lower APR! But do you really know why you got a lower APR or did not get what you are looking for? If you do get declined, what next? In the eBook we have listed everything that the banks look for when someone calls about lowering their interest rates. The banks will not tell why you did or did not get a better APR. Their computer will tell you “YES” or “NO” about lowering the interest. The eBook explains all the details. With the information provided, you will know who to call, what to do and say to the bank representative. For more information check us out at www.creditcardnegotiations.com Email: sdfinch@creditcardnegotiations.com
  • 8. Credit Card Negotiating 101 Don’t wait any longer, get your copy now!
  • 9. About SD Finch Consulting and eBook Hi, my name is SD Finch and for the past several years I have helped over 1,300 people lower interest rates on their credit cards. As a financial counselor and credit card debt negotiator for a Financial Advisory firm we have documented the success strategies to help people like you successfully negotiate lower interest rates. This includes the most effective techniques, all bank programs, bank phone numbers into direct departments and instructions on what the banks will and will not do. One on one personal coaching is available also! www.creditcardnegotiations.com/consulting sdfinch@creditcardnegotiations.com