Hey everyone, I have just created my sales page and E-Book teaching anyone in credit card debt how to lower their interest rates and pay their debt off faster without using a third party program (Debt Settlement or Consolidation). Everything taught in this book is absolutely free to the cardholder, there is no sales pitch for a service or product. I am offering a 50% commission to all affiliates through clickbank. The E-Book sells for $29.95. My background: I am a former bank employee (credit card services) and a debt/interest negotiator. The information in this book will provide the cardholder everything they will ever need to know in order to be successful. I have written everything in a simple and easy to read 3 step process, giving the individuals worksheets, and even a "typical" phone call script. The book is about negotiation: Q: What is credit card negotiation and how is it different from debt settlement or consolidation? A: Credit card negotiation is the negotiation of the cardholders interest rate. Unlike settlement and consolidation, this is done directly with the bank without a third party. This is 100% free to anyone cardholder. When a cardholder lowers their interest rates, they can do two things. Leave the card active for daily usage or close the account. This is much different from settlement (Issuer taking a settled amount, hurting the cardholders credit) and consolidation (A mass closing of accounts in order to consolidate payments into one). Please let me know if you have any questions, I will PM anyone interested the site and information.