Credit cards are a necessity in today's age.  If you don't have one, then you are out of luck.  So if you messed up then I want you to  Click here...this will give you another opportunity at getting your credit life BACK!  It is about time you take control of your credit and this will give you all the tools to beat them at their own game.   It is about giving your family the ability to enjoy life.  Check it out if you need a helping hand.

Before I get into the way to beat these companies at their own game, here are some interesting statistics I think you need to be aware of:

Top 15 issuers of general purpose credit cards for 2008 based on outstanding debt of consumer: (all info is from Nilson Report, March 2009)

1. Chase - $183.32 billion
2. Bank of America - $166.32 billion
3. Citi- $106.74 billion
4. American Express - $88.02 billion
5. Capital One - $60.08 billion
6. Discover- $49.69 billion
7. Wells Fargo - $36.36 billion
8. HSBC - $29.97 billion
9. US Bank - $18.53 billion
10. USAA - $17.48 billion
11. Barclays - $11 billion
12. Target - $8.65 billion
13. GE Money - $7.51 billion
14. Advanta - $5.02 billion
15. First National - $4.93 billion
That is over $700,000,000,000 worth of credit card debt in this country from 15 issuers alone!

Here is the sickening statistics that are unbelievable: Profits or Losses at Top 10 U.S. Credit Card Issuers in 2008
1. Chase: $780 million profit
2. Bank of America: $520 million profit
3. Citi: $530 million loss
4. American Express: $850 million profit
5. Capital One: $1.00 billion profit
6. Discover: $710 million profit
7. Wells Fargo: $990 million profit
8. HSBC: $520 million profit
9. US Bank: $1.07 billion profit
10. USAA: Not listed
That is almost $7,000,000,000 in profit in 2008 alone.  But, they cry poverty to our politicians and get laws that hurt consumers in trying to get out of their grip.  (See the bankruptcy page to learn more)

Anyways, I made this page to try to help out people in getting out of credit card debt by using the credit card companies against each other.

First thing is first.  There are a ton of credit cards out there and if you are smart, you will take advantage of that in all the aspects of your life.  The card I would go for is the Discover card that pays you 5% back on your gas purchase and 1% on other things.  This card will save you around $2.00 a fill up making it my numero uno credit card for fuel.

The next thing I recommend is taking advantage of offers that make you money.  Another Discover Card product that is different from the gas card is the regular card.  It gives you $50 after signup and spending $500 and on top of that, it is 0% APR intro rate.  This means that you can buy $500 and get basically $50 for free.  After that, you can try other deals that offer similar free money and low APR's/.  TIP:  If you need to get your credit score higher look at my credit score section.

As for the students out there who need to get some credit started in order to have a score, I would say that the Discover Student Card would be a great fit.  It allows for online management so that you can track your progress.

You will come across many deals out there and my advice is to take a look at which ones you can benefit you and to take them.  Some will be balance transfers, cash back, bonus money, or discounts.  Whatever the deal...think to yourself...I am only getting this for the deal and that is all I will use it for.  Don't become a slave to their industry.

If you have credit card debt and want to get rid  of it really quick, then take advantage of this deal below.  All you need to do is enter a couple of items and see if you can qualify to be helped.  Seriously...it is better than paying the credit card companies tons of interest every month.