Award-winning author and credit industry expert Polly A. Bauer, CPCS, and marketing expert Mava K. Heffler have been business associates in the credit card industry. Theyve also been best friends for over two decades who love to shop! They share their stories of lessons learned on shopping adventures with humor and insight and provide you with a roadmap to credit intelligence by sharing their shopping adventures and lessons learned about credit as Olympic level shoppers who have fallen into and pulled each other out of many of the traps and pitfalls surrounding the use of credit and the behavioral buying manipulations by retailers. They have written this book as a guide on how to boost your credit smarts and still keep the fun in shopping. This book uses straightforward language so that everyone can understand the information, and includes many personal stories and experiences. Polly and Mava take you on a guided tour through a variety of topics and provide Smart Tips for you to utilize to improve your credit smarts. Polly A. Bauer is the co-author of the award winning book The Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards, with Steven Lesavich. which won a Gold Medal in the budgeting/Finance category of the 2013 Living Now Book Awards. Formerly CEO of Home Shopping Network Credit Corporation, she is the CEO of Polly Bauer & Associates, a credit card consulting company established in 1995. Polly strategically guides companies and individuals through a maze of credit card misinformation with common sense, compassion, and humor that sets her apart as an international corporate speaker, consumer advocate, and media expert. Mava K. Hefflers blue-chip professional background includes marketing, advertising, communications, branding, market research, direct marketing, sponsorship, promotion, and public relations at Fortune 500 leaders such as MasterCard International, Procter & Gamble, Johnson & Johnson, Thompson, CNBC, and EMCOR Group, Inc. With experience encompassing both domestic and international markets, Mava has expertise marketing to both consumers and businesses. Named a Brand Builder, one of the Top Women in Business To Watch, and amongst Top Marketers by the press and media, Mavas programs have received a variety of industry recognition and awards. This book may very well be the cure for the toxic connection between credit card debt and declining health. - Christiane Northrup, M.D., Author of Womens Bodies, Womens Wisdom Excellent advice from two savvy women with 60 years combined experience in the credit card industry. True credit management wisdom. Wish I could have read it when I was making credit management decisions. - Darel Rutherford, Self-made Millionaire, Author of So Why Arent You Rich? Financial worries and credit card debt sure can make you sick. Credit Intelligence has workable strategies for coping with this type of stress. - Brenda Watson, Brenda Watson Media, New York Times best-selling author, and PBS television personality Smart tips and real-life strategies for living in a material world. Credit Intelligence is sure to improve your financial health and overall well-being. Dr. Michelle Robin, Founder and Chief Wellness Officer (CWO), Your Wellness Connection healing center Its your money and its your good name. You need to protect them both. This book will show you how. Sonia Choquette, CEO, Inner Wisdom, Inc., New York Times best-selling author, and radio personality Who knew? Credit Intelligence is full of insider information about credit and the credit card marketing industry. This might be the buying manifesto for a new generation of empowered shoppers. Cory Bergeron, President and Founder, Pitch Video If youre over your credit limit, you need to steal this book. Dale Irvin, CEO, Just Imagine
WINNER 2013 ~ INDEPENDENT PUBLISHER LIVING NOW BOOK AWARD ~ GOLD MEDAL for best book in Finance/Budgeting. "The Living Now Book Awards celebrate the innovation and creativity of newly published books that enhance the quality of our lives and publicize the importance of these books to readers ." Do you have a credit card? Roughly 70% of adults in the U.S. do. In fact, Americans average 3.5 credit cards per person – that‛s a lot of plastic! Even with all that buying power in their wallets, most consumers have no idea the ways that they use (or misuse) their credit cards can affect their health, their relationships, and their credit scores. Many factors go into mounting credit card debt: impulse shopping, health emergencies, the loss of a job, marriage, divorce, a death in the family. With this debt comes stress, arguments, loss of sleep, inability to pay other bills, worry, health problems, crumbling relationships. Does any of this sound familiar? Increasing credit card debt and a lack of knowledge about how credit cards really work have created a new social phenomenon called The Plastic Effect. And if you have a credit card, The Plastic Effect can affect YOU. In this new book, internationally recognized credit card expert, Polly A. Bauer, CPCS and attorney Stephen Lesavich, PhD, JD, have selected 25 of the most common urban legends influencing the use and misuse of credit cards. The authors, as business leaders and credit card experts, walk you through these urban legends about how credit cards are used and misused, explaining what is true and what is likely to cause you trouble. You will get access to resources and additional information about each myth, tips from industry experts, and guidance that will help you use your credit cards more intelligently and effectively. You‛ll also learn how to understand your credit reports, improve your credit score and manage your debt in a way that puts the power back in YOUR hands. In short, this book will help you break free of The Plastic Effect.
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