Talk Your Way Out of Credit Card Debt: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees

Scott Bilker

ISBN 10: 0964840154 / ISBN 13: 9780964840157

Published by Press One Publishing, 2025

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Seller Inventory # ria9780964840157_new

Bibliographic Details

• Title: Talk Your Way Out of Credit Card Debt: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees
• Publisher: Press One Publishing
• Publication Date: 2025
• Language: English
• ISBN 10: 0964840154
• ISBN 13: 9780964840157
• Binding: Soft cover
• Condition: New

About this title

Synopsis

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!

About the Author

Scott Bilker's first book, the best-selling title, Credit Card and Debt Management, was reviewed and recommended by many notable sources, such as: The Motley Fool, The American Library Association, Reviewer's Bookwatch, Bank Rate Monitor, Investor Press, Vanderbilt University, the JumpStart Coalition: Financial Smarts for Students, and the Massachusetts Association of Student Financial Aid Administrators.

His credit card advice has been featured in several magazines and newspapers including Woman's Day, The San Francisco Chronicle, St. Paul Pioneer Press, and many more. His website, DebtSmart.com, with its DebtSmartŪ articles and email newsletter, is continuously helping consumers save money and manage their debt.

Scott has also appeared on PBS's Take Note with Patty Satalia, WB 17's Community Close-Up (WPHL-TV Philadelphia) with Dorie Lenz, the Extra Help Channel's In the Money with J.J. Burns (C.F.P.), and CN8's Real Life with Mary Amoroso. Plus, he's been interviewed on more than 1,000 radio stations.