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Credit Hack – How to Use Your Credit to Re-Build Your Credit Even If You Have Debt!

One of the worst advice I’ve got in my life was, “CASH IS KING”.  Well, I am here to tell you that is completely wrong, “CREDIT IS KING”.


Well, think of it this way.  If you have $10,000 and you spend it all cash, that’s $10,000 you can spend.

Let’s say instead you use that whole $10,000 on your credit card and spend the whole $10,000.  A lot of credit card companies will offer you 1-5% cashback on any purchases that you make with their credit card.

Now let’s say you get 5% back, (which I have on one of my c

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Consumer DIY – How to Get the Credit Card Collector to Stop Calling You!

I have to admit, I have had a big debt last year and credit card collectors would call me every hour starting from 8am to 9pm.  Of course, they “somehow” found the phone numbers of my former jobs and called them too.

But I guess there’s a way to stop them from harassing you, simply by writing them a written letter.

Of course, I am doing okay now and no one is calling me but if you are in debt and you just want those phone calls to stop, this will help you do just that:

The most important provision allows you to write to a credit card company collector

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