HOW TO TURN YOUR CREDIT CARD INTO AN ASSET AND NOT A LIABILITY
What People Are Saying
“Dr. Thomas transformed my credit, and I highly recommend this book for anyone looking to improve their financial future!”
— Verified Amazon Purchase
“This book is an absolute gem. Dr. Charley provides great insight and examples for easy application with execution.”
— Verified Amazon Purchase
“Your Detailed Playbook for Credit Success! Provides an in-depth explanation of the credit card game!”
— Verified Amazon Purchase
Hi, I’m Dr. Charley Thomas
I help people use credit strategically, build wellness habits, and design lives of freedom, clarity, and balance. From guiding clients to secure nearly $1 million in credit card funding at 0% introductory APR to creating accessible luxury homes and wellness experiences, everything I do is rooted in practical, lived experience.
I’m a licensed clinical pharmacist, author of The Credit Card Game, and creator of the Financial Soft-Life™ philosophy.
Click here to learn more about me and my Financial Soft-Life™ approach.
The Financial Soft-Life™ Philosophy
What is the Financial Soft-Life™
The Financial Soft-Life™ is more than managing money. It’s about aligning your mindset, wellness, and financial strategy so they work together. When your mind is strong, your money follows. When your wellness is grounded, your decisions flow with clarity. This is about creating ease, abundance, and intentionality in every area of life.
Learn to Leverage credit and build wealth without stress.
Money with Ease
Shift from fear to freedom with intentional financial habits.
Aligned Mindset
A holistic approach where health and wealth reinforce each other.
Wellness & Wealth Together
The Credit Card Game Book Club
The Credit Card Game Book Club isn’t just about credit cards. It’s about reshaping your entire relationship with money.
Each week, members combine financial literacy with mindset work and wellness practices. It’s where wealth-building meets sustainable lifestyle change. Click here to learn more