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The Plastic Effect

 

In the award winning book, THE PLASTIC EFFECT, the authors have selected 25 of the most common urban legends that influence the use and misuse of credit cards.

These urban legends are often responsible for generating and sustaining The Plastic Effect.

Why do you need to read this book?

It is estimated that about 70% of all adults in the United States have at least one credit card. It has also been reported that the average credit card holder in the US has not just one, but three or more credit cards, with an average of 3.5 cards per person.

In spite of the widespread popularity of credit cards, most consumers do not have a good idea of how credit cards are regulated, or what their rights and liabilities actually are when the cards are used or misused. In addition, most consumers do not understand how using or misusing their credit cards affects their health, their relationships, and their credit scores.

THE PLASTIC EFFECT