Is this site “One giant credit card advertisement”?
In my post “42 Credit Cards with a 0% Purchase Offer”, a commenter asked that question. The comment got snatched by Spam Karma, and while I could have retrieved it, I preferred the tone of the second comment instead:
It does appear that you are pushing the idea of credit more and more lately, and advertising it.
It IS true that I’ve been providing links to credit card offers, and yes, I do get affiliate income from completed applications, but I want to show some stats. First, though, I will say that I promote cards that I would (and have) applied for myself. I don’t promote secured, pre-paid or “poor credit” cards because I know they shaft you with fees.
How much do I write about credit cards?
Ok, prior to July, 2007, I didn’t promote any credit cards because I was not an affiliate. But let’s look at some numbers:
Since site inception (June 2006), I’ve written 746 articles. Of ALL of those articles, only 147 have the words “credit card” in them. The first article with the phrase was “Got too much credit card debt? Rotate it!“, which is how I got through my $20,000 in credit card debt and barely paying any interest for 5 years.
Since July 2007, only 97 of the 746 articles had the words “credit card”.
And since starting to promote credit cards, only 20 articles out of 746 have promotional links. Here’s the breakdown: July 2007 (4), Nov 2007 (2), Dec 2007 (3), Jan 2008 (3), Feb 2008 (1), March 2008 (2), April 2008 (2), May 2008 (2).
I write about credit cards; my use of them, their dangers, their benefits, etc. However, I haven’t increased my promotion of credit card offers since starting last July. The “42 offers” article was in response to a reader’s direct request for a 0% card that she could use for her tuition.
I’m not sure where the view that this site is “one big credit card ad” came from, and I apologize to those of you that think so, but I intentionally try to minimize the amount of promotions (compared to some other sites). I made a few grand last year on affiliate referrals of credit cards, but I’ve only earned 1 referral ($52) so far this year. Other bloggers make WELL over $10,000-15,000 per year on card offers alone, and while that would be nice for me, it’s not my intent.
I have a couple links in the Resources area of the site, some paid text links in the sidebar, and you might see some ads for cards come up in Google Adsense (which I don’t control. They’re contextual), but other than those, you really shouldn’t see any credit card ads very often. You’ll continue to see credit card promotions though, including in the next few days, but I promise not to go to the dark side and push them in almost every article!