CreditCardClients.com, a New Interactive Online Tool, Helps Consumers Save Hundreds of Dollars on Credit Card Debt

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Amidst soaring credit card debt, the slowing U.S. economy and the on-going credit crunch, saving money is more important than ever. Now there is a new, simple and fast way for consumers to save money: The Savings Agent™, an interactive online service from CreditCardClients.com.

Consumers are confused and inundated with credit card offers and often with misleading promises such as '0% APR' in large font. The real value of an offer also changes for each individual and is complicated to calculate

Amidst soaring credit card debt, the slowing U.S. economy and the on-going credit crunch, saving money is more important than ever. Now there is a new, simple and fast way for consumers to save money: The Savings Agent™, an innovative and interactive online service from CreditCardClients.com.

This online savings feature enables consumers to save hundreds of dollars on their credit card bills by comparing hundreds of credit card offers and presenting the results in a real time savings strategy. CreditCardClients.com, an independent credit card research tool, offers free and unbiased information on the leading U.S. credit card companies.

Here is how it works: log onto CreditCardClients.com, click on Savings Agent™, and select the credit card you are currently using. Then answer a few simple questions, such as how much is owed, the annual fee or APR, method of monthly payments, average spending with this card and other questions. In seconds, your savings are calculated and presented with an easy-to-understand list of the top ten credit cards that will save you the most amount of money in a two-year time frame. In fact, CreditCardClients.com is the country's only online tool that offers this top ten list.

The Savings Agent™ analyzes dozens of details that are often overlooked by a consumer who is trying to compare credit card offers himself. This feature takes into consideration the fine print of the offers, including multiple interest rates for each offer, balance transfer fees, annual fees and more, and utilizes financial calculations. For example: Your current credit card is from American Express® (Gold Card) and you owe a balance of $15,000. You spend an average of $650 a month on this credit card, you pay $1,000 towards the balance, the APR is fixed at 14.98%, there is a $125 annual fee and your credit score is 700. The Savings Agent™ calculated that the better credit card for your particular debt is the Discover® More (SM) Card. In fact, if you applied for this card and transferred the entire balance, you would save $3,228 in two years (the first year: $2,281.00).    

"Consumers are confused and inundated with credit card offers and often with misleading promises such as '0% APR' in large font. The real value of an offer also changes for each individual and is complicated to calculate," says Ziv Yirmiyahu, co-founder of CreditCardClients.com and a specialist in the financial services industry. "Our goal in developing the Savings Agent™ was to break down the complexity of the details and calculations and offer a simple and free solution to a consumer's debt. The information provided by CreditCardClients.com helps consumers find the best and the most optimal savings; therefore, saving money and finding the better credit card to fit their specific debt profile."    

CreditCardClients.com receives and analyzes information from top U.S. credit card companies and receives current information on new credit card offers from its issuer and notified immediately upon any changes in terms and conditions of existing offers. This site is constantly updated, never asks for your credit card number and no personal financial information is exchanged.    

The Learning Center
In addition, CreditCardClients.com offers free and useful information on dozens of questions about credit cards. Called the Learning Center, a consumer can find concise answers to questions -- written by financial experts. For example: What is the difference between a variable APR and a fixed APR? How do I compare credit card offers? What is an introductory APR? What are the risks of owning a credit card? What is a grace period?

Need a New Credit Card?
CreditCardClients.com also offers consumers a fast and easy way to search and apply for a new credit card in different categories from prepaid, rewards, bad credit, business and students. "CreditCardClients.com is the one stop online shop for a variety of credit card needs," adds Ziv Yirmiyahu. "This site offers useful information that can help consumers with a variety of services for their credit card needs."

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Karen Parziale
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