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Winners 2013 Independent Publisher Life Now booked bonuses are the best new book for financial/budget preparation. Do you have a credit card? About 70% of adults in the United States do this. In fact, Americans have an average of 3.5 credit cards per person - this is a lot of plastics. Even if they have all the purchasing power in their wallets, most consumers do not know that the way they use (or misuse) credit cards will affect their health. Their relationship, and their credit score. Many factors affect credit card debt: impulse shopping, health emergencies, unemployment, marriage, divorce, and family death. With these debts, stress, arguments, insomnia, inability to pay other bills, worries, health problems, shaky relationships... Does this sound familiar? The increase in credit card debt and the lack of knowledge about the true role of credit cards have produced a new social phenomenon called the "plastic effect." If you have a credit card, the plastic effect will affect you. In this new book, internationally recognized credit card specialists, Polly A. Bauer of the Central Intelligence Agency and lawyers Stephen Lesavich, Ph.D., JD, selected the 25 most common urban legends that influence the use and misuse of credit cards. As a business leader and credit card user, the author will lead you to understand how these urban legends use and misappropriate credit cards, explain what is real and what problems may be brought to you. You will get resources and other information about each urban legend, tips from industry experts, and guidance to help you use smarter and more effective credit cards. You will also learn how to understand your credit report, increase your credit score, and manage your debt so that power returns to your hands. In short, this book will help you to get rid of the plastic effect.
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Orignal From: Plastic Effects: How Urban Legends Affect the Use and Misuse of Credit Cards
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