Here in this hub I'm gonna reveal the Credit Card Ultimate Strategies with years of my own experience using the credit card. It's not the common guide, but the advanced, or the ultimate strategies for you to play with the banks, the bankers, the financial system. Let's see.

If you don't own your credit card yet, just click on the compare site down below to choose from the list, fill out a form and apply for one you favor.

• http://www.creditcardguide.com/

Two things you must pay attention to:

• The interest rate
• Is there any reward available? Cashback is the most preferred.

• Shopping Online

Any credit card with the VISA/MasterCard/Discovery/American Express can make online transaction. So does the Debit Card, which we'll talk about separately.

• Advance Money

Cash out money that you don't own(for immergency)

• Installments

Spend the money that you'll earn in the future. (It could be dangerous.)

• Convenient

We don't have to carry any cash.

• International transaction

When you have to buy something overseas requiring foreign exchanges, you can just use your credit card make the transaction easily, and pay off the debt using dollars.

As we know that the interest rate of any credit card could be super high, from annually 11% to 20%. That's the source why the bankers get rich.

Many people are now suffering from tons of credit card debt that has to be paid. If you are in that position, I suggest you read this great article.

• How To Legally NOT PAY Your Credit Cards Without Bankruptcy

You should never overspending.

And Credit Card is not a devil as it's been described somewhere.

What are we supposed to do?

Follow the Credit Card Rules!

Credit Card can be your friend with great help.

• How To Lower Credit Card Rates On Your Current Debts

It's dirty, but it's fair.

Who can survive that 20% annual interest rate of credit card?

That's more than robbery. That's why we are gonna apply this dirty rotten strategy.

Just do it.

Approx. Revenue Proportion of the Credit Card Issuer

1. interest 70%
2. commission charged from the merchant 25%
3. default penalty 5%

As we can see, the last two sources are fair enough, while the first one seems not. Why? There's no problem in collecting moderate interest, but is 20% annual interest rate fair? No!

After we have applied the dirty legal strategiesto reduce the current credit card interest rate to around 10%, we can proceed to something new down below.

Take advantage of the Grace Period!

Let's say the average grace period is 25 days.

Suppose the payment day is the first day of every month, so the dead line should be the 26th day of every month.

Let's say you are paid monthly, and your monthly average expenditure is around $1500.

Every time the payment day (1st day of every month) passes, we move to the 2nd day of the month, we consume as usual, of course, the up limit should not exceed $1500. Buy anything you need as usual, in the supermarket, daily consumptions, pay the bills, anything. And this amount of debt will be honored the next month between the 2nd day and the 26th day.

Let's say you're gonna pay that credit card debt on the 15th day of next month, but you have already spend another $1500 on the 2nd day of next month. What it means?

It means you can always spend $3000 while only have to pay $1500. You always in debt, and you always pay on time. You get good credit score. You get the cashback from the bank. You always keep that $1500 which belongs to the bank. You always owe the bank that money. The bank is always happy about that. Clear?

I think I have make it clear enough. Of course, only $1500 is not enough, but money is money.

Remember, always try to pay via your credit card rather than cash. Cash won't get you any cashback, credit score. Remember!

Why two credit cards from different issuers?

If you do so, you're gonna have two credit cards with different payment day. It's crucial.

If you do that in the same issuer, you'll get two cards with the same payment day, which is not desired by us.

While the payment day is set randomly. If the two payment days are too close, no matter, there're hundreds of credit card issuers out there awaiting.

Just cancel any of them and apply from a third issuer, until the ideal payment days have been met.

Then, again apply the super grace period strategies offered above to make the perfect cycle.

You have two time periods to consume since you have two credit cards with two distinguished payment days.

Does that make any sense?

Safe Ways to Use Your Credit Card:

• POS Shopping

The POS shopping requires your signature. If the signature fails to match yours, you can deny it and the credit card issuing bank won't charge you.

• Accredited Websites Shopping

Who are the accredited shopping websites?

1. Amazon.com
2. Ebay.com
3. Bestbuy.com
4. Target.com
5. Walmart.com
6. Other highly respected online shopping websites.

Online shopping on these websites won't get you any trouble. There won't be any hidden fees, nor anything extra to charge you more than you have expected. You can use your credit card in a secured way.

What if We have to make online payment on some small sites?

Use Paypal instead of Credit Card.

• Get a paypal account here

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