Our eBook overview of how to get started negotiating credit card APR's called, "Credit Card Negotiations 101".

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