Question: Who is the intended audience?
Answer: People who are tired of being bullied by the banks and want to know what they can do about it.

Q: What is the book about?

A: Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That’s because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don’t know what to expect.

Q: Why are you the best person to write this book?
A: Scott Bilker, author of “Talk Your Way Out of Credit Card Debt,” and creator of, has spent 17+ years making banks compete for his business. Now, he’s sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn’t, and why.

His credit card advice has been featured in several magazines, newspapers, and online resources including Consumer Reports, Money Magazine, The Wall Street Journal, Newsweek, The Christian Science Monitor,, Kiplinger’s Personal Finance Magazine, Reader’s Digest, CNN,, CBS Marketwatch, Woman’s World, and many more.

Scott has also appeared on CNN’s American Morning with Miles O’Brien & Soledad O’Brien, Today in NY with Roseanne Colletti, CNNfn’s Your Money with Ali Velshi, NBC 10 News’ Consumer Alert, CBS News, FOX News, and on more than 1,000 radio stations (coast-to-coast, in Canada, and the UK) including National Public Radio’s (NPR) Morning Edition with Steve Inskeep, The Wall Street Journal This Morning.

Q: How is this book different from other books on this topic?
A: There is no other book on this specific topic. It’s the most comprehensive how-to guide for negotiating with credit card banks.

Q: Is there anything else we should know about this book?
A: Here’s what the readers have to say about the book (more info at

“Scott, I just had to thank you. I’m still not sure how we ended up with $129,000 worth of credit card debt. Yep that’s right, $129,000! We don’t have a boat. We don’t have cars. We haven’t been around the world. We did have four cards with over 24% interest with massive balances and after my husband was unemployed for 8 months I slowly started unfolding what a financial mess we were in. (Still are to be truthful.) BUT, I saw your book, ‘Talk Your Way Out of Credit Card Debt’ and bought it. What an investment! We managed to get $34,000 of debt relieved by using your techniques. Okay, with still many thousands hanging around our necks the road ahead is not an easy one, but you started us on the road to recovery. It was the best $19.95 I’ve spent in my entire life! Thanks!”

–Sara V. Olds, UT

“I spent about 2 hours reading this book, ‘Talk Your Way Out of Credit Card Debt,’ getting comfortable with the strategies. Then, after my first phone call, which saved me $210 per year, I was off and running! I was able to reduce my interest rate by as much as 9%. I called all six of my Mastercard/Visa companies and was able to save $1,983 per year from the finance charges plus having a $59.00 annual fee removed and a late fee removed ($29.00). The $/hour saved ranged from $141/hour to $2,464/hour and averaged $1,334/hour. It was so easy!!”

–Fred Robinson, Teacher, Milford, NH

“I am in the same field as Scott, and have recommended his book countless times to consumers. With credit card companies raising rates, fees, etc. his advice could not be more timely. I just interviewed Scott today on my EverydayWealth Radio program and he told me how he just got a 10-month-old late fee waived! That’s practically unheard of. Scott’s book is the
definitive guide for negotiating better rates–real advice that works!”

–Gerri Detweiler, author of “The Ultimate Credit Handbook” and host of EverydayWealth Radio

“Scott, I wanted to thank you. I ordered your books a few weeks ago and read them right away. I had an incredible amount of confidence when I called to get my credit card rate lowered. It was so easy! They lowered my rate from 10.45% to 3.9% (for a large balance too) for the life of the balance, with no fees. I calculated my savings at $3,968. WOW! Thanks again for your terrific advice!”

–Lisa Harris, DE