Who would not be interested in getting an interest‎-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer‎?‎ Or a free round‎-trip airline ticket twice a year just for making purchases on a rebate card‎?‎ Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score‎?‎ Obviously‎,‎ just about every consumer is interested in saving money and getting freebies‎!‎ Hence‎,‎ the universal appeal of this book cannot be overstated‎.‎ Today‎,‎ the average American household has 12.7 credit cards‎.‎ Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders‎:‎ that‎'‎s why credit cards are their most profitable product‎.‎ Banks spend billions enticing consumers with rebates‎,‎ freebies‎,‎ low‎-introductory rate offers‎,‎ and airline miles‎.‎ Learn how to take full advantage of these offers‎,‎ without paying for them through brutally high interest rates‎,‎ fees‎,‎ and penalties‎!‎ Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers‎;‎ retirees facing credit discrimination‎;‎ Americans recovering from bankruptcy or other debt problems‎;‎ and even consumers with great credit‎.‎ You‎'‎ll learn the techniques he has personally used to escape credit card debt‎,‎ "creatively finance" his wedding‎,‎ car‎,‎ and home purchases‎,‎ and earn thousands in credit card "perks" every year‎.‎