Get Out of Credit Card Debt

Final Sale Notice (16-Nov till 30 Nov)

If you are having difficulty finding a method to consolidate, reduce, or eliminate your credit card loan, here’s an unbelievably easy solution for you …

Discover How You, Too, Can Save RM2,184.44 Credit Card Interest and Settle RM10,500 Outstanding In Just 36 months like me – Guaranteed!

(While normally, we have to settle RM4,074.44 interest in 108 months, or 9 years)

You are going to discover simple and idiot-proof ways to help you get out of debt and back on the track to a burden-free financial status.

1. How can I reduce my credit card debt?

2. How fast can I reduce my credit card debt, and what is the shortest period?

3. Can I restructure my credit debt without surrendering my credit card(s)?

4. What is the best way of reducing credit card payments without interest? I can only pay just enough to cover bank interest each time. I want to know how I can make payments that can be deducted from the principal instead of from just the interest.

5. When the credit card debt grows too much, to a point that I am hard-pressed to pay off, is there a way to reduce or skip out on interest charges on the credit card debt?

6. Transferring the balance from one credit card company to another does not reduce the debt; it only postpones the repayment of it. Is there a better method? How do I reduce the debt?

7. Are there any banks that offer low-interest-rate terms for me to effectively restructure my credit card debt?

If any of these questions above speak from your heart, continue reading until the end of this page…

Customer Feedbacks … I pay RM300 monthly only instead of RM9,000 … Right now, I pay RM300.00 monthly only instead of RM9,000 all the time. This is definitely a more disciplined way to pay off the credit card debt…I am confident I can settle the full balance sooner than I thought. Thank you for showing me an easy way to get out of my debt. Ms. Jessica Wong

From: Steven Wong
RE: Reduce and Eliminate Credit Card Debts

Dear Malaysia Credit Card Holders,

Four (4) years ago, I was like many of you, desperately looking for a solution to get rid of my credit card debts.

At the time, I didn’t have many options to choose from. All I could do was to limit my monthly spending and take some of my savings to pay off part of the credit card debt.

After 48 months of cautious planning on my monthly expenses and saving, I managed to pay off RM2,000 of my total credit card debts.

If you are like I once was, you will know that it is not easy to reduce a massive credit card balance, especially if your income doesn’t increase in proportion to your accumulated debt over the years.

I gave up the bad spending habits I once had, until there was no more room for further tightening.

The Most Idiot-Proof Ways to Save Thousands of Interest From Your Credit Card Debts and Eventually Get Out of The Debts in 36 Months or Less …

I thought I was doing well, until early this year … when I discovered a damn simple solution that helped me save RM2,184.44 on credit card interest and offered me a way to settle my RM10,500 credit card debt in 36 months.

At first, I was a bit skeptical about this method.

I mean, this sounded like a ‘mission impossible’ for me, after trying so hard for four years, when I managed to pay off only RM2,000 – but now I can settle the whole amount of RM10,500 in just under 3 years!!

Here is what I managed to do in February till April 2008:

In my February statement, my accumulated debt with the bank was RM10,512.39, stated as previous balance in the statement. After the restructuring exercise, I begin paying RM291.67 monthly for the next 36 months.

My March Statement:

My April Statement:

Look at the summary below and you will be able to see the high impact from this consolidation exercise:

	Before Restructuring	After Restructuring
Outstanding amount	RM 10,500	RM 10,500
Monthly payment	RM 525.00 (5% minimum payment)	RM 291.67 (fixed installment)
Interest rate paid	18% yearly	6% yearly
Interest payable	RM 4,074.44 (108 months)	RM 1,890.00 (3 years)
Repayment Period	108 months	36 months

Through this exercise, I am able to pay off RM10,500 credit card debt (including interest) in 36 months. I can save RM2,184.44 interest and use this amount of money to buy many things!! I will be debt-free 36 months later, without needing to change my spending habits.

Just imagine if your debt is double, triple, or ten times that of mine. How much can you save with this scheme? Just bring out your calculator and do the math…the figures will tell you the truth.

Introducing “Get Out of Credit Card Debt” … The most complete credit card loan offer information book and “how-to-get-out-of-debt” guide you’ll ever find in the Malaysian market.

I have been searching for many years on unique ways to help me become debt-free, but I couldn’t find one until early this year. Now, I am surely on my way to becoming financially free.

I understand how painful an experience it can be when you’re trying to pay off your loans but couldn’t find the best and fastest way. Since I found the damn simple formula for myself, I then thought, why not share a guide to help my Malaysian fellowmen who have the same problem?

In “Get Out of Credit Card Debt” ebook, I will reveal to you in detail:

1. How I managed to save RM2,184.44 on credit card interest;

2. Calculation details on how I arrived at this figure;

3. How much interest you are paying to your credit card companies;

4. How much can you save from your accumulated outstanding.

5. An ultimate, easy-repayment unsecured-term loan solution that offers:
   - A repayment period of up to 60 months;
   - Guaranteed approval by the banks;
   - Fast processing;
   - Savings of up to 65% in interest;
   - The cheapest unsecured-term loan in the market;
   - A low monthly installment amount that can help you save up to 67%;
   - Tailor-made monthly installment amounts that would to suit your financial capability;
   - Loan repayment via card-issuing banks;
   - An accumulation of more credit card points;
   - Maintenance of a good record in Bank Negara CCRIS;
   - And much, much more…

6. Four (4) different simple working methods to help you:
   - reduce credit card interest;
   - consolidate your credit card debts; and
   - eliminate your credit card debts…

7. Comparison loan offers from local bank institutions:
   - Benefit from a bank loan analysis by up to 8 11 banks;
   - Understand each vehicle and how these offers can help you;
   - Find the best deal among the banks.

8. A total of 58 pages of content – written in simple English, bringing out everything you need to know about credit card facts.

9. Case studies and calculation samples to show you how much you will save on each bank offer.

10. Author recommendations that help you quickly find out the best method for your debt elimination efforts.

11. Credit Card Repayment Calculator – A formula-driven excel file that can illustrate exactly how much you can save on your credit card payments, what the repayment period will be, and what the new monthly installment amount is. Just enter your credit card outstanding and follow the simple instructions…you will be able to get your figure in less than 5 minutes.

Bonus Product Included:

Bank Negara Central Credit Reference Information System (CCRIS) Explained

I have included a bonus ebook for you – Bank Negara CCRIS Explained. This is THE ebook you ever want to grab a copy if you want to know how CCRIS affect your financial standing whenever you apply for loan with all banks in Malaysia.

In this ebook, you will be able know find out:

• What is CCRIS?

• How does CCRIS work?

• How does CCRIS affect your credit ratings?

• How does CCRIS determine your borrowing records?

• Get some untold information about credit reports,

• Know why banks reject your new loan applications,

• Find out how to obtain credit reports,

• Learn how to read and interpret your own credit report,

• and much, much more …

I really want to show you how this simple method that I use can help you get out of debt too and easily lift your financial burdens.

To discover this method, I have studied a lot about financial products; worked in the banking industry for 2 years; and even became a financial planner for a couple of months.

Here’s my Offer to You …

Risk- and Hassle-Free, Unconditional 30-Day Money-Back Guarantee Offer

There is no risk involved for you, since I am offering you an unconditional 30-day money-back guarantee. You definitely have nothing to lose but everything to gain!!! If you feel like this information is absolutely of no help to you, just contact me and ask for a full refund, and I will gladly return any amount of money you have paid.

You can choose to spend years aimlessly finding out the solution to your financial worries, or you can secure your copy of “Get Out of Credit Card Debt” right now.

You can make your payment by PayPal, credit card, Maybank2U transfer*.

Get an instant download of this guide, finish reading it in the next 30 – 45 minutes, and start working on the best method to consolidate your credit card loan.

There is no excuse for you not to take action now and get yourself a copy.

This “Get Out of Credit Debt” can easily sell for RM 147.00 / USD 45 because of its effective method. I am willing
to let you have it for a special offer price of RM 79.00 RM39.00 / USD 25 USD12.90, but only if you act now …

SORRY!!

We are no longer selling this ebook

Special Offer for the next  70 46 27 7 copies.

RM39 / USD 12.90 ONLY!!

Maybank2U payment customer please use this link.

I will stop selling this ebook after these 7 copies are sold or after 30 November 2010, whichever come first!

Note: This product information is valid for Malaysia Credit Card Holders ONLY. Don’t bother buying this if you are NOT from Malaysia.

Customer Feedbacks … lower installment amount, helping me save RM530.97 in interest … I now pay a much lower installment amount, helping me save RM530.97 in interest. Thanks for showing me an easier way to pay off my debt in just 20 months. Ms. Pang, Subang Jaya

P/S: You will be debt-free after the 36 months. You can save thousand dollars interest like me too.

P/S/S: Instead of trying to find your own method to get out of debt elsewhere; you can download this guide, read it in the next 30 – 45 minutes, and start working on your credit card debt consolidation without delay now.

*Offline Ordering Payment: Offline payments via Maybank will take between 2 – 4 working days to process and deliver the content, depending on the status of payment clearing. Please follow the instruction carefully in order to let us process your ordering fast.

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Disclaimers:
All information provided above, including testimonials, are solely personal opinions unless stated otherwise. The result of the credit card consolidation guide may vary from one individual to another, depending on his or her performance and efforts in repaying the loan after the restructuring exercise. The author will not take any responsibility for any failure of this exercise or financial downturn due to the application of this method. You are advised to consult licensed financial planners, consultants, experts, and/or advisors. Your own efforts to conduct researches, comparisons, and exercising due diligence before applying any of the suggested methods is highly recommended.

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