Advertising is deceptive and marketers are ruining your credit if you don’t know the truth behind how credit works. In this episode, Merrill Chandler discusses how you should never respond to credit card offers unless they’re tier-one, tier-two, and tier-three types of credit cards. We don't want finance company rates. In fact, if it has the word finance or financial in it, it's automatically a no-go. Get empowered with information so you can make good decisions. Tune in so you won’t be fooled!

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