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Whether readers are overwhelmed by credit card debt or trying to prevent it altogether, this book has the answers. The author's basic three step program provides the information readers need to reduce interest rates, eliminate fees, and negotiate with credit card companies to keep their credit report clean.

Net10 Nokia 1100 GMS-P4 Features: Caller ID/Call Waiting Voice mail Changeable front and back covers Clock with alarm Vibrating alert One-touch dialing Built in flashlight Net10 gives you a low flat rate across the U.S. Always 10 cents a minute and local, long distance and roaming are included Airtime balance display gives you the power to control your wireless costs ILD (International Long Distance) Features: Call the country directly from your Net10 phone Only 5 cents per minute plus airtime No activation fees No extra monthly charges No PINS or cards to buy No contracts No need for credit cards or additional purchases Quantity Limits & Dealer Sales WALMART.COM reserves the right, at our sole discretion, to limit the quantity of items purchased per person, per household or per order to 5 units total. These restrictions may be applicable to orders placed by the same Wal-Mart account, the same credit card, and also to orders that use the same billing and/or shipping address. We will provide notification to the customer should such limits be applied. WALMART.COM also reserves the right, at our sole discretion, to prohibit sales to dealers. Important information: cell phones identified as operable within your selected ZIP code are dependent on your service provider's coverage area. Be sure to check with your service provider to confirm their range of coverage. Wal-Mart cannot guarantee a phone's operability in a wireless coverage area.

Credit card - A credit card system is a type of retail transaction settlement and credit system, named after the small plastic card issued to users of the system. A credit card is different from a debit card in that the credit card issuer lends the consumer money rather than having the money removed from an account.

Credit card debt - Credit card debt is an example of unsecured consumer debt. It results when a customer of a credit card company does not pay the company for the money he or she has spent.

Credit card fraud - Credit card fraud is one of many forms of fraud involving credit cards, charge cards, debit cards, or prepaid cards.

Credit card number - The numbers found on credit cards have a certain amount of internal structure, and share a common numbering scheme. Credit card numbers are a special case of ISO 7812 numbers.

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