Copyright

Vice President, Publisher: Tim MooreAssociate Publisher and Director of Marketing: Amy NeidlingerExecutive Editor: Jim BoydEditorial Assistant: Pamela BolandDevelopment Editor: Russ HallOperations Manager: Gina KanouseDigital Marketing Manager: Julie PhiferAssistant Marketing Manager: Megan ColvinCover Designer: John BarnettManaging Editor: Kristy HartProject Editor: Jovana San Nicolas-ShirleyCopy Editor: Krista Hansing Editorial Services, Inc.Proofreader: Heather Waye ArleIndexer: Lisa StumpfCompositor: Nonie RatcliffManufacturing Buyer: Dan Uhrig

© 2008 by Pearson Education, Inc.

Publishing as FT Press

Upper Saddle River, New Jersey 07458

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All rights reserved. No part of this book may be reproduced, in any form or by any means, without permission in writing from the publisher.

Printed in the United States of America

First Printing: June 2008

ISBN-13: 978-0-13-235377-9

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Library of Congress Cataloging-in-Publication Data

Arnold, Curtis E.  How you can profit from credit cards : using credit to improve your financiallife and bottom line / Curtis E Arnold.       p. cm.  ISBN 0-13-235377-6 (pbk. : alk. paper)  1.  Credit cards. 2.  Consumer credit.3. Finance, Personal.  I. Title.  HG3755.7.A76 2008  332.7'65--dc222008011159

Dedication

To my wonderful wife, Nancy.

To my wonderful wife, Nancy. Thank you for being my best friend and for the countless times you embraced me after a long day at the office. Together, we’re teaching the next generation about credit and money issues—including our own kids, Dallas, Erin, Hunter, Avery, and Claire—which gives me hope that today’s young people will be much savvier about credit and money issues than any previous generation.

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