Credit Card Warning Labels
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New 'Credit / Debit Card Warning Labels'

Warns Against Indiscriminate, Credit based Spending
That is Harmful to One's Financial Future!

RELEASE: January 2002
CONTACT: Paul S. Richard, ICFE Executive Director

San Diego, CA. 'Everyday spending decisions, especially credit based one, will do far more harm to one's financial future, than any investment decision one might ever make,' says the ICFE's executive director, Paul S. Richard.  A new 'Credit/Debit Card Warning Label': Four new versions of the labels, including 'If You Can Eat It, Drink It, Or Wear It, It Is NOT An EMERGENCY!,' may be seen at, the nonprofit, San Diego based, Institute of Consumer Financial Education's Web site (ICFE), The ICFE is dedicated to helping consumers become better spenders, regular savers and wise users of credit.

'More Americans are getting all charged-up with their credit cards, bringing the plastic debt to new record levels. Vulnerable consumers need more reminders and help in the fight against accumulating debt,' says the ICFE's Richard, who created the labels.

'The ICFE 'Credit/Debit Card Warning Labels' are self sticking for the front of the cards,' says Richard. There four versions are: (a) 'CAN I AFFORD IT?' (b) 'SHOULD I CHARGE IT?' (c) 'WARNING: Overuse Is Dangerous!' or the new (d) 'If You Can Eat It, Drink It, Or Wear It, It Is NOT An EMERGENCY!' The ICFE labels are available at ten/$3 with a self-addressed, USPS First Class stamped envelope (see address below). Quantity pricing is available on the Web site.

The ICFE has the following tips to consumers for using credit, debit and charge cards:


Reduce the number of cards you carry and use just one or two.
(Optional: Place credit/debit cards in protection sleeves.)


Use credit cards for purchases where you may need consumer protection on a warranty or a return, or mail order


Return all unwanted credit cards, cut up into pieces, to the card issuer


Keep unused cards in a safe place.


Carry credit cards separately from your wallet or purse.


Keep your card in view whenever you hand it to a merchant.


Destroy carbon papers on receipts.


Never lend your cards to anyone.


Promptly report questionable charges.


Avoid signing blank charge vouchers.


Don't give card numbers out over the phone on calls you didn't originate.


Enter charge purchases in your checkbook register as though they were a check.

Credit Card Warning Labels Ordering Information:

For 10 Credit Card Warning Labels, please print and fill out our order form

  labelOrderForm.jpg (80059 bytes)

To obtain ten 'Credit/Debit Card Warning Labels', send $3 and a self-addressed, USPS First Class stamped envelope and indicate version a, b, c or d and send to:

ICFE Labels
PO Box 34070
San Diego, CA 92163-4070

A - Can I Afford It?

B - Should I Charge It?

cc_sticker_can_i_afford_it.jpg (7739 bytes)  cc_sticker_should_i_charge_it.jpg (8764 bytes)

C - Warning - Overuse is Dangerous

D - It Is Not An Emergency

 cc_sticker_warning.jpg (8661 bytes)
CreditCardWarningLabelCC.jpg (14254 bytes)

About the ICFE:

The Institute of Consumer Financial Education (ICFE), founded in 1982 by the late Loren Dunton - creator of the "certified financial planner” (CFP) designation - is dedicated to helping consumers of all ages to improve their spending, increase savings and use credit more wisely. The years between 1984 and 2000, the ICFE was also known as the National Center for Financial Education (NCFE).

The ICFE is a nonprofit consumer education organization that has helped millions of people through its education programs and Resources. Over one million "Credit / Debit Card Warning Labels” and "Credit / Debit Card Sleeves” are in circulation world wide.

The ICFE's on-line help for consumers who spend too much was featured in PARADE Magazine (June 9th, 2002) in the Intelligence Report section. The money helps and tips are from the "Money Instruction Book," a course in personal finance, which was completely revised and updated in 2002 and is positioned to become among the premier programs in the new bankruptcy and debtor education initiatives.

The ICFE's "Do-It-Yourself Credit File Correction Guide," now in its Twelfth Printing, is in use by thousands of consumer credit and debt counselors in addition to tens of thousands of consumers. It received a "buy” rating in July, August and November from nationally syndicated financial columnist, Humberto Cruz in his column, "The Savings Game". BottomLine Personal newsletter gave the Guide a "Send For” rating in September 2001. The ICFE and our do-it-yourself approach to credit file correction was featured on NBC Nightly News on 04-30-02. The Spanish edition of the Guide premiered in January 2002. Syndicated columnist, Robert Heady also gave the ICFE Guide a "buy” rating.

The ICFE Web site at: helps consumers with mending spending, learn about the proper use of credit, budget and expense guidelines, how to set up and implement a spending-plan and also access financial education courses and videos and how to teach children about money. Other ICFE services include a free eNews, and an on-line resource center of financial education learning tools, including videos, books and personal finance courses.

Consumers may learn more on the Internet about the "Do-It-Yourself Credit File Correction Guide" here, or fill out our request form, indicating your areas of interest.

For more information contact Paul S. Richard ICFE Executive Director at 619-239-1401.

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PO Box 34070
San Diego, Ca 92163
Paul S. Richard, Executive Director
Phone 619-239-1401

FAX 619-923-3284

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