"With debt a common denominator in this country, consumers need a strong voice and a helping hand to guide them towards a better financial life. Beverly is precisely that--and more--when it comes to credit cards. Her book is a must-read." --Farnoosh Torabi, personal finance expert, contributor to The Today Show, and author of Psych Yourself Rich "Beverly Harzog knows what it"s like to make mistakes with credit cards--and to recover from those mistakes without swearing off plastic. Harzog provides a smart, realistic guide to managing your credit and making the most of your cards." --Liz Weston, author of The 10 Commandments of Money "Beverly Harzog is a credit warrior. She has gone into the arena, faced the lions, and emerged as one of the foremost experts in the field. I believe that her encyclopedic knowledge of the world of credit cards is unmatched." --Adam Levin, chairman and cofounder, Credit.com "Beverly makes the complex world of credit cards seem so easy to understand. Every cardholder can benefit from her wonderful insight." --Bill Hardekopf, CEO of LowCards.com Credit card expert Beverly Harzog shares how she went from being a credit card disaster to a credit card diva. When Beverly got out of college, she spent the next 10 years racking up debt on seven credit cards. Credit card limits, she believed, were merely "guidelines," certainly not anything to be taken seriously...especially if she was in dire need of a new pair of shoes. The fact that she was a CPA at the time adds an ironic twist to the credit quagmire she slowly descended into. In Confessions of a Credit Junkie, Beverly candidly details her own credit card mishaps and offers easy-to-follow advice, often with a touch of Southern humor, to help others avoid them. In this much-needed book, you"ll learn: How to use the Credit Card Personality Quiz to choose the right credit cards The seven ways to use a credit card to rebuild credit How to get out of debt using a balance transfer credit card--and pay zero interest while doing it Credit card strategies to save a bundle on groceries, gas, and more Anyone in debt will benefit from the down-to-earth, practical tips Beverly offers.