According to a recent article written by and that was reprinted in a publication many firms, including those that aggressively advertise on TV, charge excessive fees and get bonuses from credit account companies for every client referral. Such firms may be legally structured as nonprofits by taking advantage of legal loopholes but their business practices are highly suspect. Large amounts of money collected from their services end up in the pockets of their executives. Executive compensation includes salaries, bonuses, and real-estate deals. A reputable credit counseling service should not depend on fees for more than 60% to 80% of its income and should also rely on grants and charitable donations. It should charge a maximum of $25 in monthly client fees. Finally, a reputable service will also provide free counseling and may have up to half of its clients enrolled in counseling alone (instead of being enrolled in a debt repayment plan).

In this section you will also find resources relating to account debt, suggestions regarding how to protect yourself from credit scams, and an archive of monthly articles written by our staffmembers. Finally, be sure to peruse our message board. You can search our board for a topic that interests you (there are hundreds of posts) and you can also post credit related inquiries. Our board is actively monitored by three board capitalcreditgoldcard monitors, who all have extensive knowledge about accounts. Board monitors respond to many posts. We don''t know of any credit related board that offers this service! calculators We are particularly proud of our online calculators and have yet to find another site that offers are more comprehensive variety of calculators (we currently offer 14 calculators).

Our ratings could save you literally capitalcreditgoldcard hundreds of dollars in credit account interest charges (finance charges) in just months. For example, a card that has an annual percentage rate (APR) of 7.0% could save you hundreds of dollars capitalcreditgoldcard in finance charges when compared with a card that has a rate of 19.0%! Or, if you pay off your credit account(s) every month, there is a "virtual gold mine" of credit account rebates and rewards that you can "lay claim to" just by using certain accounts to make everyday purchases. For example, you can earn free airline tickets, free gas, and even cash (free money). It is not uncommon for cardholders to receive capitalcreditgoldcard hundreds of dollars in cash and/or free airline tickets during any given year! Similarly, many small business cardholders receive thousands of capitalcreditgoldcard dollars in rebates each year. Many cards featured on our site offer secure online applications. Online applications are safe, fast (amazingly, some cards offer 30 second online approval), an

©2003 www.gold-platinum-card.com All rights reserved.