{"product_id":"talk-your-way-out-of-scott-bilker-9780964840157","title":"Talk Your Way Out of Credit Card Debt: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees","description":"Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money! It's true! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That's because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don't know what to expect. Scott Bilker, author of Talk Your Way Out of Credit Card Debt, and creator of DebtSmart.com, has spent 10+ years making banks compete for his business. Now, he's sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn't, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.: ) In this book you will discover proven negotiation strategies, and build your confidence, while learning how to: (1) get annual fees waived; (2) lower your current interest rates; (3) shop for the best credit card deals; (4) get late-payment, overlimit, and cash-advance fees waived; (5) compare loan options and calculate savings; (6) dispute charges and get all your refunds; (7) negotiate account settlements; and much more!\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Scott Bilker\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 0964840154\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9780964840157\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Press One Pub.\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 03\/25\/2025\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 322\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.95lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.67d","brand":"Scott Bilker","offers":[{"title":"Paperback","offer_id":48453436670207,"sku":"9780964840157","price":19.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_70826dee-42fe-4b91-87e6-9049703ae627.jpg?v=1777300214","url":"https:\/\/www.whiterainbookhouse.com\/products\/talk-your-way-out-of-scott-bilker-9780964840157","provider":"WR Book House","version":"1.0","type":"link"}