Book Summary

THE PLASTIC EFFECT: How Urban Legends Influence the Use and Misuse of Credit Cards
By Polly A. Bauer and Stephen Lesavich, PhD, JD
(Coconut Avenue®, Inc. December 2012, 234 pages)

"Do you have a credit card?

Roughly 70% of adults in the U.S. do.

In fact, Americans average 3.5 credit cards per person – that‛s a lot of plastic! Even with all that buying power in their wallets, most consumers have no idea the ways that they use (or misuse) their credit cards can affect their health, their relationships, and their credit scores. Many factors go into mounting credit card debt: impulse shopping, health emergencies, the loss of a job, marriage, divorce, a death in the family. With this debt comes stress, arguments, loss of sleep, inability to pay other bills, worry, health problems, crumbling relationships.

Does any of this sound familiar?

Increasing credit card debt and a lack of knowledge about how credit cards really work have created a new social phenomenon called The Plastic Effect. And if you have a credit card, The Plastic Effect can affect YOU.

In this new book, internationally recognized credit card expert, Polly A. Bauer, CPCS and attorney Stephen Lesavich, PhD, JD, have selected 25 of the most common urban legends influencing the use and misuse of credit cards. The authors, as business leaders and credit card experts, walk you through these urban legends about how credit cards are used and misused, explaining what is true and what is likely to cause you trouble.

You will get access to resources and additional information about each myth, tips from industry experts, and guidance that will help you use your credit cards more intelligently and effectively. You‛ll also learn how to understand your credit reports, improve your credit score and manage your debt in a way that puts the power back in YOUR hands. In short, this book will help you break free of The Plastic Effect."

The book is available on,, Books-A-Million, Powells, Ebook Mall, the Coconut Avenue® Bookstore and many other e-taliers and bookstores. The book is also available from any store or bookstore that can order books from Ingram.

Gold Medal Winner

the-plastic-effect-book-award The Plastic Effect was awarded a gold medal in the 2013 Independent Publisher, Living Now Book Awards. It was judged the BEST book in the finance/budgeting category. "The Living Now Book Awards celebrate the innovation and creativity of newly published books that enhance the quality of our lives, from cooking and fitness to relationships and mature living. The awards are open to all books written in English and intended for the North American market. The gold, silver and bronze medalists in this year‛s Living Now Book Awards offer a list of books representing some of the fastest-growing segments of book publishing today, and the Living Now Book Awards publicize the importance of these books to readers and their vitality in the marketplace."

Best-Selling Book

the-plastic-effect-book-award The Plastic Effect is a best-selling book, hitting the #2 best-selling position in two different categories and #4 in the Budgeting and Money Management category on with overall book sales currenty exceeding 1000+ copies in all formats.


the-plastic-effect-magnifying-glass The Plastic Effect provides readers with additional resources such as websites, addresses, and phone numbers that allows a reader to take the next steps to further explore the credit card and debit card topics associated with each urban legend.


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