The Plastic Effect

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Book Details

  • Title: The Plastic Effect: How Urban Legends
    Influence the Use and Misuse of Credit Cards
  • Author: Polly A. Bauer and Stephen Lesavich, PhD, JD
  • Genre: Business & Money, Personal Finance,
    Budgeting & Money Management
  • Length: 248 pages
  • Publisher: Coconut Avenue, Inc.
  • Publication Date: April 29, 2015

Video Presentation


the plastic effect cover

WINNER ~ INDEPENDENT PUBLISHER LIVING NOW BOOK AWARD ~ GOLD MEDAL for best book in Finance/Budgeting. “The Living Now Book Awards celebrate the innovation and creativity of newly published books that enhance the quality of our lives and publicize the importance of these books to readers.”

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 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’ll get access to resources and additional information about each urban legend, 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.

Buy Links

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About the Author

Stephen Lesavich

Stephen Lesavich, PhD, JD is an award-winning and best-selling author, entrepreneur, CEO, visionary and tech expert.

Stephen is an attorney in private practice. He received a Ph.D. in computer science and worked professionally as software engineer for high-tech companies such as AT&T Bell Labs and others. He also has worked as an adjunct professor at several universities.

As an attorney, Dr. Lesavich regularly writes, speaks and is interviewed about legal topics related to business law, Internet law and intellectual property law (patents, trademarks and copyrights).

As an entrepreneur and CEO, he founded his own law firm and a publishing company which he has grown into successful businesses. His publishing company, publishes creative works that promote personal empowerment, motivation, self-help and soul growth.

Visit Dr. Lesavich on-line at:

Contact The Author

Amazon Author Page
Facebook Page

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