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Will You Add? - 8 Tips for Saving Money On Your Credit Cards
The Most Important PR In America e bank you think it should waive its annual fee. Your current
credit card issuer will probably gulp and then waive the fee. For a two-minute
telephone call, you’ll be ahead by $20 or $30. (By the way, most credit card issuers
don’t waive the fee on a gold card.)Just happens to be public relations activity that alters individual perceptions leading directly to changed behaviors. PR pulls that off by persuading a manager’s key outside audiences with the greatest behavior impacts on the organization, to its way of thinking. Then it moves those external stakeholders to take actions that help the organization succeed.I don’t believe public relations can del C Leave Home without It If you’re like most people, you spend more money if you carry a credit card around. Some studies show that credit card holders spend 23 percent more on average even if they don’t carry a balance on the credit cards. No investment pays an instantaneous 23 percent rate after taxes. Even business investments. Despite what one credit card issuer says, you’re really better off if you leave home without it. Cancel Unnecessary Credit Cards If you don’t carry credit card balances, cancel credit cards that charge an annual maintenance fee. Lighten your wallet by canceling all the cards you don’t use, for that matter. You’ll only spend more if you use them, anyway. Ask Your Bank to Waive Its Annual Fee Call your bank and explain that, because of the annual fee, you might cancel your credit card. Tell the bank you think it should waive its annual fee. Your current credit card issuer will probably gulp and then waive the fee. For a two-minute telephone call, you’ll be ahead by $20 or $30. (By the way, most credit card issuers don’t waive the fee on a gold card.) Co Cancel Unnecessary Credit Cards If you don’t carry credit card balances, cancel credit cards that charge an annual maintenance fee. Lighten your wallet by canceling all the cards you don’t use, for that matter. You’ll only spend more if you use them, anyway. Ask Your Bank to Waive Its Annual Fee Call your bank and explain that, because of the annual fee, you might cancel your credit card. Tell the bank you think it should waive its annual fee. Your current credit card issuer will probably gulp and then waive the fee. For a two-minute telephone call, you’ll be ahead by $20 or $30. (By the way, most credit card issuers don’t waive the fee on a gold card.) C Cancel Unnecessary Credit Cards If you don’t carry credit card balances, cancel credit cards that charge an annual maintenance fee. Lighten your wallet by canceling all the cards you don’t use, for that matter. You’ll only spend more if you use them, anyway. Ask Your Bank to Waive Its Annual Fee Call your bank and explain that, because of the annual fee, you might cancel your credit card. Tell the bank you think it should waive its annual fee. Your current credit card issuer will probably gulp and then waive the fee. For a two-minute telephone call, you’ll be ahead by $20 or $30. (By the way, most credit card issuers don’t waive the fee on a gold card.) C Ask Your Bank to Waive Its Annual Fee Call your bank and explain that, because of the annual fee, you might cancel your credit card. Tell the bank you think it should waive its annual fee. Your current credit card issuer will probably gulp and then waive the fee. For a two-minute telephone call, you’ll be ahead by $20 or $30. (By the way, most credit card issuers don’t waive the fee on a gold card.) C Consider an Affinity Card If you travel on business a lot, you can easily run up $10,000 or more on a credit card as you pay for airline tickets, hotels, and rental cars. In this case, it’s well worth it to pay $50 for an affinity card. Once you have the card, charge all your personal and business purchases on it. Cancel Credit Insurance If You Have Any Credit life insurance is usually a big waste of money. You only need credit life insurance if you know your estate will collect and you can’t get a better kind of insurance. Credit disability insurance is usually another big waste of money. But, as with credit life insurance, you may need this insurance if you require disability insurance and you can’t get better insurance. Cancel Credit Card Protection Insurance If You Have It Credit card protection insurance is another waste of money. If some nefarious type steals your credit card and runs up huge charges, you are probably only liable for the first $50 or so as long as you immediately tell the credit card issuer that the credit c
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