Without further Ado, let's continue with Secret #2:

SECRET 2: INTEREST BEWARE, THERE'S SAFETY IN NUMBERS!

1) This secret method isn't for everyone.

I would venture to say that this turbo-charged low rate secret is really for those with reasonably good credit.

But with that said, you may have good ENOUGH credit, and it doesn't hurt to TRY. If you don't succeed, then you've been blessed with the one thing most people don't have, and that's a GOAL?

You know what you want, better credit, and there are TONS of resources out there to help you get from point A to point B, much faster then you can imagine.

When you get there, this method is for you for sure! Work towards this! It's worth it.

2) If you have pretty good credit, it's time to use it to your MAXIMUM ADVANTAGE.

Do you like to shop at Costco�? I do. I LOVE shopping at Costco�. I know it costs me a membership fee every year, but I save money like CRAZY!

Why? Because Costco� can buy in bulk, and get huge deals from their merchants.

You see, there's safety in numbers. Costco� Members enjoy the benefit of pooling together their buying power, and extracting huge savings from vendors and suppliers.

3) And here we go! Secret #2 revealed: Take that concept, and apply it to Credit Cards! Interest Rates beware, because there's safety in numbers!

I'm talking about the big BLUE! I'm talking about American Express�.

Now, most of us who have not yet climbed on board to AMEX� are comfy with having a Visa�/MasterCard� in our wallets. I know. I was one of you at one time. You think it's better, because Visa�/MasterCard� are more widely accepted. Right?

I'll grant you that in some smaller "ma/pa" operations, you may not be able to swipe your BLUE. But other than that, AMEX� is widely, widely accepted everywhere?Worldwide.

4) Go check it out for yourself.

AMEX� is generally available at all nationwide chains like department stores, grocery stores, restaurants, and many, many other fine establishments. My wife and I spend money, just like you do. We use AMEX� as much as we can, and we don't have a problem with the ability to swipe it virtually everywhere.

5) I believe, firmly, American Express� is using the concept of pooled membership, to give you KILLER interest Rates, and amazing perks too.

I believe that the benefit of this pooled power is passed on to you, as a member of American Express�.

How do I know this? Because I'm a member, and I can attest that the interest rates are low, low, low!

For example, as of today's date, my American Express� Blue (no annual fee, by the way) is carrying a 9% interest rate (I also get balance transfer checks all the time?See Secret 1.)

6) Are there lower rates out there?

Well, maybe. But, I don't care. I like the fact that I don't have to go shopping for a low rate. I just KNOW that American Express� IS the lowest, if not one of the lowest.

It's just so much less work for me as a consumer, to be a member of AMEX�. No more shopping around.

7) Go with the Credit Card Company that takes care of the CONSUMER FIRST! .

I don't mean to sound like a commercial. I also have a Citibank�, and other fine credit cards in my wallet, and our website provides information on ALL major credit card companies, not just AMEX�, so I have no vested interest in one over another.

But the secret knowledge here is that American Express� seems to have the BUYING POWER to consistently give consumers some of the lowest interest rates on the market, and that's what makes them the BEST.

8) Check it out for yourself. Do your own research.

Don't rely solely on this writer's testimony. Go look around. Compare all the benefits, and the rates, and the rewards programs, and you'll see. AMEX� has no competition. Not for the consumer, anyway.

And in Credit Card Utopia, we always go with the best. As powerful consumers, we come first. We NEVER settle for less.

We've enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.

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About The Author

Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services. You can check out Tom's website here: http://loanresource.org, or you can email Tom at info@loanresource.org.