The Truth about Credit Cards About The Author / Chapters / Read a sample / Order Now / Money Saving Tips / Resources / Contact Us / In The News / Book Signings & Interviews **High-Interest Debt Elimination Report Right now your child is about to be pummeled by credit card "predators" that will stop at nothing to give your kid more credit than they can handle. In time, these credit cards will turn into serious debt, and the credit card companies are banking they'll make a killing on your child's lack of experience! Introducing.... Credit Card Debt: It Can Cost You Your Life Lifesaving Strategies to Avoid Debt Here's The Information The Credit Card Companies Don't Want You To Hear: "How To Save Your Child From Crippling Debt And Protect Them From Predatory Credit Lending Before It's Too Late!" With an ever-changing job market and an uncertain economy, it's never been more important to educate young people everywhere about the responsibilities and dangers of credit card use! Dear Concerned Parent, The statistics are staggering... FACT: According to 2001 study by student lender Nellie Mae, 92% of college sophomores have at least one credit card. Students are doubling the amount of debt and tripling the number of credit cards in their wallets by the time of graduation. FACT: Twenty-one percent of undergrads with a credit card have high level balances between $3000 and $7000, a 61% increase over the results of the 2000 credit card study. And right now, if you're child is soon to graduate from high school or attending college, they are target number one for masses of credit card companies looking for fresh customers. They want your child to spend, spend, spend. They create incentives to make your child want to spend more. In no time, your child can find they're in over their head. And with that comes the serious symptoms of credit card debt: Depression from mounting financial problems Children needing to borrow large sums of money from parents to pay their monthly minimum Creditors calling with threats and demands Bankruptcy, and the death of dreams like owning a home, etc. Right now, credit card companies are working hard to lure your child into credit card debt because the further in debt they sink, the more profitable they are to credit card companies. Credit card abuse is like other types of addiction. Once it starts, it's hard to change habits. So you've got to work even harder to educate and prepare your child to combat the problem. **When I speak to parents of soon-to-be college freshmen, I encourage them to have that "conversation" with their soon-to-be college freshman about money management. Creating a budget, maintaining a checking account, balancing a bank statement, and that all important (to them) credit card! Susan Powell's book, Credit Card Debt: It Can Cost You Your Life, is a must read for parents and students alike. She includes real life examples, stages of credit card debt, importance of a good credit report, and step-by-step prevention of credit card debt. She creates awareness of the costs to carry debt. This book is the best education I have seen on how to manage your own finances. Anyone can benefit from this book. It will help you become financially literate. Kaye Bernard McGarry, M.Ed., Survival In College Seminars, Author: A New Beginning: A Survival Guide for Parents of College Freshmen (newly revised 2nd edition, 2001) Inside Credit Card Debt: It Can Cost You Your Life you get the information you need to educate your child before the credit card companies do. Inside you'll find: How to determine the appropriate number of credit cards to demonstrate positive money management. Spending strategies to avoid costly credit card debt Questions your child needs the answers to before accepting a credit card Step-by-step information your child MUST know before using a credit card The FACTS about debt to income ratio and cleaning up your credit! Credit card scams your child MUST be aware of to avoid debt The Money "Survival" Guide: 50 Tips to have more money. This tool teaches you how to demonstrate positive money management and how to avoid pitfalls that lead to financial catastrophes. Easy alternatives to racking up credit card debt A look inside the lives of four people who've racked up too much debt and how this has impacted them in ways they couldn't have dreamed before using credit cards Myths that are simply untrue about credit cards, debt and your credit history Plus much, much more... Credit cards don't come with a users guide. And that's why it's so easy to sink in over your head. But now you have the opportunity to show your children how to handle their credit and save them the misery of bankruptcy, stress, and depression. "There are certain books every college freshman should read to become more educated. No student should leave without reading 'Strunk and White' for English grammar; moreover, no student should leave college without reading Susan Powell's book on debt management. This is a book that SHOULD change your life forever and for the better," observes William W. McCorkle, Jr., a professor of Philosophy and Religion at Queens University of Charlotte. You Can't Afford NOT To Have This Resource For Your Child! No parent wants to think of their child becoming buried by bills. And most parents assume it can't happen to their child. But are you dead certain you know exactly what your child needs to understand to prevent credit card debt? Well, you don't have to be that confident. In fact, I've made it simple and affordable for every parent to teach their kids how to be responsible with credit and safeguard them against the credit card companies. For only $14.95 you get Credit Card Debt: It Can Cost You Your Life (Lifesaving Strategies to Avoid Debt), the book that teaches your child step-by-step how to avoid crippling credit card debt. This amazing book introduces your child to the real world of credit, and instructs them on how to avoid the pitfalls. With this book you'll be giving your child a basic understanding of money to be fully prepared. Order now to receive all of this invaluable information for only $14.95 and start today taking control of the finances of you and your loved ones! Click here to ORDER NOW My No Questions Or Hassles "You Must Be Satisfied" Money Back Guarantee! If you don't agree that Credit Card Debt: It Can Cost You Your Life gives your child the skills they need to remain safe from credit card debt then I insist you return it within 90 days for a no hassles full return of your investment! Listen.... Once your child becomes hooked on "The Good Life" by spending hundreds or thousands of dollars on credit cards it's a very hard chain to break. The secret is to educate them early. Teach them about the pitfalls and how not to get wrapped up. Stop the problem before it starts. For a small investment of $14.95 you can save the anxieties and stresses of credit card debt with this guaranteed book. Don't hesitate. Click here to ORDER NOW. Susan Powell Click Here to ORDER NOW! P.S.: Your satisfaction is guaranteed with your order today. If you aren't absolutely delighted with the book then I insist you contact me within 90 days for a full refund. P.P.S: Looking back on your own life, what has been most influential? Your college degree? Or is it your credit history? Without good credit, dreams are stripped, regardless of income. Save your child from the pain of bad credit and the dreams it steals. Click here to order now! © 2001 Susan V. Powell. All rights reserved. Text, graphics, and HTML code are protected by US and International Copyright Laws, and may not be copied, reprinted, published, translated, hosted or otherwise distributed by any means without explicit permission.