Pay nothing forever and get paid!

[kilburg]

Currently the United States has
900 million credit cards in
circulation, and this number
increases by 65 million cards
every year.
Free Card Matrix, a company created
by President Mark Colyer and Vice
President Anthony Uva, was developed
to allow the average person to earn
profits from this multibillion dollar a
year industry.
Every company that issues credit cards
has acquisition costs in the billions
annually for acquiring new
cardholders. These companies incur
these costs without worry due to the
long term profits gained by the use of
their credit cards.
Colyer explains, “The greatest wealth
now and in the future will not be made
from the selling of products or services,
but by the company that creates the
conduit for all digital commerce, both
online and brick and mortar."
With recent developments like the
National Do Not Call Registry, the
companies that issue credit cards are
becoming more desperate to find ways
to gain new cardholders.
Free Card Matrix tapped into this need
by creating a ten level referral plan that
earns you money with each new
referral. Mark Colyer and Anthony
Uva spent three years developing this
plan so that there is no buying, no
selling, just referring and making
money!
Free Card Matrix is the only network
marketing credit card opportunity of its
kind! All you have to do to participate
in this multi-level-marketing network is
apply for a credit card and be approved.
We have different card options for
nearly everyone, regardless of your
credit card history.
Free Card Matrix works with the top
credit card issuers in the world. These
companies offer credit cards with
competitive rates and low APR balance
transfer options.
The Ten Level Referral plan works to
earn you money as soon as you get
approved and verify your new Free
Card Matrix card. For every referral
you get, we will pay you $10. These
are called your “first level
cardholders.” For the next nine levels
of cardholder growth, we will pay you
$2.
The level of income that can be
generated by this plan is incomparable.
For example, if you referred five
cardholders and they each referred five
and everyone else referred five, all the
way through ten levels deep, there
would be 12.2 million cardholders in
your tenth level, which would be worth
$24,414,100 to you!
Free Card Matrix is offering this
Program with a long term financial
strategy which is one of the reasons we
are willing to pass along such generous
commissions up front. As we acquire
millions of cardholders, we will
aggregate the consumer power to
negotiate many additional card benefits
and cash commissions for the benefit of
our members.
Your success is our goal! Our credit
cards are NO FEE cards, so they can't
be sold or purchased.
The only qualification is that you will
get paid through all ten levels once you
reach five personal cardholder
referrals. For example, if you have
personally referred three cardholders,
you will receive commissions on all the
new cardholders through three levels of
your “organization”. But you won’t get
paid on your fourth through tenth levels
unless you personally refer five
cardholders.

How can I get paid so much money
when no one is buying anything?

The cost of acquiring new cardholders
is very expensive for credit card issuers
(Banks), but well worth the investment
to them. How many costly direct mail
and telemarketing pitches have you
received in the last month alone?
Consider the million-dollar advertising
campaigns you see on television, radio,
and in print media. And some banks
offer low, or even zero interest for
several months to attract new
customers, which is also part of their
acquisition costs.
Our program puts that money into
referral commissions for two great
reasons: 1) Receiving an invitation to
look at something from a friend is
much more effective than getting a
sales-pitch phone call during dinner. 2)
Having the opportunity to earn money
to spread the news also motivates
people to go ahead and apply for a
card…especially when it's No Fee.
Since credit cards can generate profit
for the issuing bank, the bank is willing
to "buy" the Cardholder. This is like
any other good business investment for
the bank.

I already own a Credit Card(s), why
should I or people I know want another
one?

Well, in order to become involved in
this program, you must apply and be
approved for one of our network credit
cards. If you already have a card you
enjoy using, you can easily use this new
card to transfer high interest balances to
the low introductory APR rate of our
card(s). Also, in the future we will be
able to “leverage” the Free Card Matrix
network to negotiate better % (APR)
rates, cash back bonuses and rewards
from the card issuers.

Can I sign up as a company rather than
in my personal name?

You may sign up for the Free Card
Matrix Referral Program in your
company name, but you must apply for
the business credit card (USA only) that
we offer and get approved. If you aren't
a legitimate business, we suggest
signing up as an individual.

Is this Multilevel (Network)
Marketing?

Yes, our Associate referral program is
Multilevel Marketing (MLM) or
Network Marketing. It now accounts
for billions of dollars of commerce
worldwide.
Quite plainly, it works so well because
people will look at an invitation to
participate in an opportunity when it is
received from a friend or someone you
know.

Do your cards have low interest rates or
balance transfer options?

Yes, that is the big draw to you
receiving one of our free referred credit
cards.

[kilburg]

What if I don't like to use credit cards?

That’s fine, it is not required that you
use your card, just that you apply, get
approved, and activate one of our cards.
It is to our networks advantage to use
our cards, so we all build “leverage” for
better interest rates, cash rebates, and
rewards programs in the future.

What is the process once I get
“approved” and receive my new card?

In addition to the bank activation
sticker found on the front of the card,
you will need to log in to your admin
panel at FreeCardMatrix.com to register
your newly approved card so we can
verify it. We only require the first four
and last eight digits of your new card
(anti-fraud), the card issuer (ex. Chase),
and the expiration date to verify your
card approval.

How many types of cards are available
to apply for and qualify?

We will have ten card choices (USA
Associates): Four Prime Cards
(Excellent or Good Credit), one Sub-
Prime Card (Poor or Bad Credit), two
College Student Cards, two Business
Credit Cards and one Prepaid Debit
Card (100% approval). UK and
Netherlands options will vary.

What if I or the people I want to refer
have bad credit?

In this case, our sub-prime or prepaid
debit card is the best choice for
approval.

How long does it take to see if my
application is approved?

Some of the cards feature rapid
approval, usually in less than one
minute, when the bank's system is able
to confirm that all your information
meets its criteria. Once you have been
approved, you can expect your new
card to arrive in about five to four****
days, though some banks may take
longer. If the bank's system has a
question about your application, you
will usually receive a message that it
will get back with you.
This means that a credit analyst will
review your application (usually within
one business day). If you are
"manually" approved, you will be
notified via e-mail or regular mail. If
the bank determines that it cannot
approve you for its credit card, it will
mail you a letter. This letter will
reference the credit reporting agency
that was used and provide you with
information on how to contact it with
any questions that you may have. This
is all a part of the consumer protection
regulations that govern this process.

Do I actually give away the Credit
Cards to other people?

No. All you are really doing is referring
people to your FreeCardMatrix.com
referring web site (http://www.freecardmatrix.com/index.aspx?refid=kilburg). So
you don't actually handle cards
yourself. Free Card Matrix also does
not give away nor issue credit cards.
Participating card issuing financial
institutions take the applications, make
credit decisions and issue credit cards.

Can I apply and get accepted for more
than one credit card?

Yes, you can apply for as many of our
network credit cards as you’d like. We
will be distributing associates cash
“bonuses” if they do get accepted for
more than one of our cards. Remember,
the power of our network will leverage
us more rewards in the future (i.e.
Vacations, Entertain ment Systems,
Cash Rebates, etc...).

Can I refer my spouse or other
household members?

Yes. If your spouse or children can
develop their own organizations, then it
can be profitable to refer them.
However, you don’t want to “stack”
family members in order to create
another organization. With our
program, there are no advantages, but
there are distinct disadvantages.
For instance, since you get maximum
commissions (ten levels deep) when
you have at least five personally
referred cardholders, if you stack
another position, you’d have to refer at
least five cardholders under that
position too, and you’d earn exactly the
same amount by referring all ten
yourself. Also, there will be many
forms of additional commissions that
will flow through your organization,
and they will favor those with larger
numbers of personally referred
members.

Can I refer people who don't get e-mail
or use the Internet?

Yes, you can guide them through the
application process with your laptop or
at an internet café, library, work office,
or home.

How will I know who has signed up in
my organization?

FreeCardMatrix.com will send you an
e-mail when people you personally
refer become an associate. You may
also monitor your organizational
genealogy and watch your commissions
grow in the member’s admin section.
Of course, it is always a good idea to
personally follow up with those you
refer. Most successful Associates are
sending personal welcomes and the
offer of support to their new associates.
Remember, there hard work will make
more money for you, be a MENTOR
AND ROLL MODEL!

When will the commissions be paid
each month?

Free Card Matrix shall pay earned
commissions to their associates within
45 days after the close of the earned
commission month. For example, an
associate earns commissions in the
month of March. He/She shall receive
the March commissions on or before
the 15th of May. Commissions must
reach $50.00 in any pay period in order
to be paid in that pay cycle. If your
commissions are below $50.00, we will
hold them until you reach $50.00 or for
one year, whichever comes sooner.

How do you pay your associates?

We use EMO (Electronic Money Order)
and PayPal to pay our associates. We
suggest signing up for both in order to
be verified and begin collecting your
commissions. There are links to sign up
on our web site.

To Learn More, contact Free Card Matrix,
LLC. Log on to http://www.freecardmatrix.com/index.aspx?refid=kilburg
today!