You can take charge of your credit card now and say goodbye to the debt!

My friend Steven Wong just wrote a guide for our fellow
Malaysians about credit card issue. Have you secured your copy
of Get Out of Credit Card Debt - Guide for Malaysian yet?

Go here now for details:

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=2476&aff_id=44


A lot of people have been complaint to me about their never-
ending efforts to settle the credit card outstanding. I came
across Steven Wong's latest ebook "Get Out of Credit Card Debt"
and I told them about this.

After they read the ebook guide on how to "Get Out of Credit
Card Debt", right now they are more relief and believe they
are on their way to financial debt free.

They are many questions been asked, and here I would like to
let you know some of the FAQ, continue reading below:

Q1: How do I reduce / refinance my credit card debt?
First, you must consolidate your debts into a lower interest
rate plan, work out an affordable repayment amount, and be
discipline in paying off the loan amount monthly. Plus, you
must learn how to manage your spending by adopting a habit to
clear off your credit card outstanding at the end of every
month and don't let it accumulate again.

Q2: I would always like to maintain more than 2 credit cards
with the objective of keeping them for emergency purposes only,
but it turn out that I use them even during normal shopping
just to enjoy the incentives and points accumulation. This
habit is making me worried as I could not clear off my debt
as I targeted before. Please advise.
Yes, there is nothing wrong to keep credit cards for
emergency use. Why don't you consider saving some cash for
the same purpose while still having your credit cards?

Don't you think cash in your hand is better than your credit
cards? Cash is present money, credit card is future money,
and using future money is much more risky than using present
money.

I agree with you, it is tough to clear any accumulated debt
but still you have to do it. You can stop using the credit
cards for any shopping just because you want to accumulate
the points. Change your habit of spending, pay by cash instead
of credit card unless you have no choice i.e. emergency.
Always make it a point to clear your card outstanding at the
end of every month.

Q3: I've been told that one of the ways to settle my debts is
to transfer my balance to another credit card, which offers
me a certain interest free period.

Does it really help me to save money or it is just another
ploy for the banks to get us to switch? Will this work? Most
people are mislead by the concept of balance transfer. By
transferring the balance from one card to another one, it does
not reduce the debt. It only postpones the repayment period.

The incentive of interest free period usually works for a
short term period (i.e. 1-3 months only) and help you to
reduce little interest only. Most of the time, the credit
card holders will feel relief after they have completed the
balance transfer and happy to pay the minimum amount.

However, once the interest free period is over, you will be
charged the normal interest rates again. Bear in mind that you
will still need to settle the outstanding amount. Unless you
can pay back more during the interest free period, otherwise
you are just merely slow down the repayment period and later
work like mad to pay off your debts. Majority of the people
who fail to see this, and they ended up paying more in future.
You should consider method like EPP, It will not only help
you to save on the interest rates, it can help you to change
your mindset into putting more effort to repay your
outstanding amount, instead of paying only the interests.
Eventually you will be able to get out of debt.

Get Out of Credit Card Debt is the most complete Credit Card
Debt Consolidation guide you can found in the market. You will
be able to know the damn easy way to save thousand dollar of
interest and payoff your credit card debt in 3 years or less.

There are total of 20 FAQ you can find out from this ebook on
how to pay of your credit card fast.

Go here now to secure your copy before it is sold off:

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=2476&aff_id=44


I hope you will be like many of my friend get out of credit card
debt soon. See you!

Regards,

KC Goh

P. S. This guide has help many people save thousand dollars of
credit card interest and it is only sold for RM78/USD25. Hurry!
obtain your copy before it is sold out.

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=2476&aff_id=44

Learn more about Credit Card Solution

Hi,

This is KC GOH here with a quick reminder:
Have you secured your copy of Get Out of Credit Card Debt
- Guide for Malaysian yet?

Go here now for details:

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=3153&aff_id=44


My friends and relatives have been asking me about Steven
Wong's latest ebook "Get Out of Credit Card Debt" which he
wrote about how he can save RM 2,184.44 credit card interest
and settle RM10,500 outstanding amount in just 36 months.

Based on the survey Steven Wong has made in April 2008, most
of the people tend to ask the similar questions about how to
payoff credit card debt. I think it would be easier if you go
through some of the FAQ below and see if you are too, looking
for the answer for your credit card debt:

Q1: How do I save / reduce my credit card interest rates?

The best way is to look for options that offer lower interest
rate, restructure your credit card debt and make the effort
to pay off the outstanding promptly. Alternatively, you can
consider the (Easy Payment Plan) EPP which offers the benefits
mentioned above. For more info, please refer to the EPP
section in the ebook.

Q2: Is there a way to reduce or skip on the interest charges
on the credit card debt? Secondly, when our credit card debt
accumulated to the point of where we are not able to pay it
off immediately, what will be the plan or solution with the
minimum interest charges for us to pay off our debts?

EPP provides a way to restructure your credit card debts by
converting it into a lower interest repayment plan. With the
fixed installment amount, you will surely know when you are
able to fully settle the loan. The fixed installment amount
is also lower than the 5% minimum monthly payment set by
credit card companies.

Q3: Currently I'm using the balance transfer method with 12
to 24 months option. Is it the same methodology?

Nope, it is not the same method we mentioned here, although we
do have a section highlighting the best balance transfer offer
from the banks.

Q4: How can we have 0% interest monthly repayment when paying
for one outstanding credit card with another credit card?

Many of the 0% interest offered by credit card companies are
for short term repayment i.e. 3 months or less, after that
you will still need to pay the interest on the outstanding.
You can consider EPP which offers you a lower fixed interest
rate and with fixed monthly instalments.

Get Out of Credit Card Debt will reveal you how to save
thousand dollar of interest and payoff your credit card debt
in designated 18, 24, 36, 48 or 60 months.

There are a lot more tips to give you an idea to be the master
of your credit card again!

Go here now to secure your copy before the price goes up:

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=3153&aff_id=44




Until then!


Regards,
KC GOH

Get out of Credit Card Debt Fast

Many people have had trouble with credit card debt because of rising interest rates and mounting credit card debt. The sensible thing to do is consolidated your credit card debt, reduced your interest rate so that you will be able to settle in 12, 18, 24, 36, 48 or 60’s months period and not take you twenty years to pay off.

Debt consolidation loan is designed to help you pull yourself out of financial difficulties. Imagine, if you only pay RM 300 per month instead of RM 9000, you would be freeing up a lot of cash flow and you will enjoy better life style.

I have known a case where this guy is able to save RM 2,184.44 interest and is able to pay off the credit card debt within 36 months. If you are a businessman, you could use this money you saved to invest in your business and make more money.

A survey has been done in Malaysian stock market between year 2000 to year 2005, there were 689 counters double their values. If you invest RM 1000 and if your money were to double 10 times, you will become a millionaire.

With the saving of RM 2,184.44, what will happen to your investment if you were to direct this fund to the stock market?

1. RM 2,184.44
2. RM 4,368.88
3. RM 8,737.76
4. RM 17,475.52
5. RM 34,951.04
6. RM 69,902.08
7. RM 139,804.16
8. RM 279,608.32
9. RM 559,216.64
10. RM 1,118,433.28

You will become a millionaire the 9th times when you roll your money. So, money can grow if you know how?

If your debt is more than RM 10,000, you will be able to save more money if you were to engage with easy payment plan (EPP).

Let me give one more example.

Suppose you are holding a bank Credit card and your limit is RM 10,000. Your outstanding amount is RM 8000. With this RM 8000, you are paying 1.5% interest per month and yearly interest charged is 18%.

If you were to take up an easy payment plan, you could negotiate the interest rate to as low as 6.7% and you only pay a monthly payment of RM 266.67. In other words, you are saving 11.3% per year.

If you were to do a cash withdrawal of RM 10,000, the bank will charge you 5% cash withdrawal fee and 18% interest coming up to 23% for the first year.

Again, if you were to negotiate with the financial institution, you can arrange to secure the interest rate to 6.7% per annual for a duration of three years. In other words, you monthly fixed repayment will be RM 333.33 and you can pay off your debt in 36 months.

When you signed up for the easy payment plan, you will not see your outstanding of RM 8000 in your bank statement, instead every month you will see EPP 1/36 RM266.67, EPP 2/36 RM 266.67, EPP 3/36 RM 266.67 and so on and you just pay the outstanding amount.

There are 15 financial institutions than can do the easy payment plan.

Frequently asked questions

1. How do I reduce my credit card interest rates?

I have done a lot of research on credit card solution and therefore I am able to show you how to restructure your credit card debt under the Easy Payment Plan(EPP) which can save you a lot of interest.

2. Can I transfer the outstanding credit card to another credit card with 0% interest monthly repayment?

Of course, you can. However, these 0% interest offered by the financial institutions are normally for short term repayment only, for example, 3 months and after that you will have to pay the interest for the outstanding. EPP is probably the best solution because it provides you with a lower fixed interest rate and with fixed monthly installments.

3. How can I completely get out of my credit card debt?

You must make use of EPP to consolidate your debts so that you could pay off your debts within 5 years and you must also control your spending habit.

4. Is it advisable to get loans to settle credit cards debt?

Yes, it is perfectly alright if your loan interest is lower than the credit card Annualized Percentage Rate (APR).


5. What is your position?

I am intermediary of the Stock Market and I am also doing stock market training. When I was doing research for my online business, I found out there are actually companies that can help you to reduce your credit card monthly payment and get you out of credit card debt many years earlier.

6. Can I call you and ask you to share with me your research on how to get out of credit card debt fast under the Easy Payment Plan?

Yes, of course. I will be glad to share my research with you so that you will be able to save a lot of money in your interest payment. You need to tell me your credit limit and the amount outstanding in your credit card, I can give you the calculation in a few minutes.