Home RBN Spotlight Super Hero 25K Guarantee Articles Videos Order Now

CITI Bank is Not Your Friend

The honeymoon is over. Remember when you got that warm fuzzy feeling inside because Citibank or American Express approved you for a credit card? You thought you were worthy, you were proud. How many more of those accounts did you manage to acquire before you were only paying the minimums? Are you now paying only the minimums on those accounts only to try to keep your credit score?

Surprise! That was the plan, hook you into a system of debt using your ego and your pride, and then use your credit score to take all of your cash and income, or what was left after living expenses. The plan is now revealed, it is what you see, the trend over the last several years. They are going to use this method to take your money and with no tangible benefit in return unless you change your habits quickly.

If you want to predict the future, just look at what’s happened so far. You will only see more of the same. You might still think you can buy or even borrow your way out of the debt trap, only to learn later that you just wasted even more money to dig deeper. Stop digging!

To beat these thieves at their own game you must use the system they would normally use against you. That is, use the collection system to block your creditors from collecting and use the same business structures they use to remove all the risk of them taking anything from you. To beat creditors at their own evil sinister game, you must create your own friendly creditor to use a shield against them and change your habits of using money. With a little guidance, this can be done in about 90 days.

Your first lesson is to learn that your personal credit score has become very expensive, and to change the habit that caused that situation. Stop borrowing money and buying things on credit. Forget about your personal credit score, no matter what you do, bankruptcy, settlement, negotiating, unless you pay on the creditor’s terms, your score is coming down for about seven years.

Your next lesson is to realize that the way you manage your money right now is the cause of the impending risk to creditors and eventual debt collectors. These habits must be replaced with habits that the wealthy use to avoid the same risks. And it’s simple and costs almost nothing in money and time.

Look at your debt in terms of what you have that can be taken, wages, cash savings, property, assets and other income. Forget about the total debt, $5.00 is the same as $1,000,000 once you understand this principal. Then implement these quick changes to your habits and the way you use money and your liability will vanish to zero in a short time, 90 days to be specific. This is about eight times faster than it takes a creditor to get a judgment lien against you, and by that time you won’t care even a little.

Privacy Statement Warranty/TOS FAQs Order Now Contact Us Site Map

The contents of this web site are for educational purposes only; nothing you will see or receive is intended as legal advice or as counseling over legal matters, readers are always encouraged to seek the advice of legal counsel in their geographical area. John Gliha has never claimed to be a licensed attorney. He is an author, speaker, teacher and publisher, the description of what he offers is best termed "educational" offered only as information accumulated, examined and deemed important and may not be specific to the reader's state or area.