Please don’t take Kevin Trudeau’s advice. He’s been in jail for fraud. His health books have been questioned and debunked and shown by many people as false, incorrect and possibly dangerous. Trudeau has even put a warning in his own book saying some parts of his advice books are “fictional”! The salespeople in my local bookstores actually warn their customers about the books before the customer can buy it. He used his profits from his books to start a billiards league, promising very rich prize purses, only to never show up with the money when the billiards tournament happened and that was several years ago now. I wouldn’t be surprised if he’s a wanted man in many places now.

As for the credit card advice, it was probably that you phone your bank where your credit card is from and tell them that another bank has offered you another credit card with a lower interest rate. Remind them that you’ve been a loyal customer for years and ask them if they can lower the interest on your credit card at all. Give them 24 hours to respond. Some banks will actually knock points off your interest rate in order to keep you.
Of course, that was before the economy went down the tubes. Now getting credit or a loan is like winning the lottery or getting struck by lightning.