The Thomas Paul Murphy Music Player

"You might think that I am off base, but I am published by the Securities and Exchange Commission."

Thomas Paul Murphy

Sunday, December 9, 2012

The United States Credit Card 12 09 2012

Wouldn't you like a credit card whereby by if you overpaid the entire balance on the card you would get interest on the deposit at the same rate that you were charged when you carried a balance?

This would eliminate the middle man banking function which has been found to be emperically negligent.

That means zero interest spread between what you earn in interest and what you pay.

There would be a limit on how much you could borrow.

And maybe not everyone would be allowed to participate in the program.  I.e. If you have a pension from a banking or financial institution you would not be allowed to participate.

The interest you would earn would be paid from the interest others paid. 

And you would have had to have been charged interest on your credit cards to a substantial amount in order to pariticipate.

And the amount of money you could deposit with the United States Credit card company could be no more than the credit they made available to you with the card.

Copyright 2012 Thomas Paul Murphy

© 2012 Thomas Paul Murphy


If you love my writings you will love my novel it is a science fiction adventure story titled, “The Voyage of the Cauldron Skipper” by Thomas Paul Murphy

My first novel “The Voyage of the Cauldron Skipper” can be found at the link below, virtually everywhere online and at select Milwaukee area Booksellers.

My music CD’s “Fading Fall Expressions” and “Plantation Songs by Thomas Paul Murphy” can be found here:


The Artwork of Thomas Paul Murphy can be found here:


I also have a new CD at the above address titled “Fading Fall Expressions” it is my Native American Flute Music.


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