Tag Archives: APR

Chase Continental Presidents Club Credit Card

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There is no doubt about how important to people the credit card has become over recent years. Saving can be difficult to do but we are all happy to have debts and the credit card does enable us to have things when we want them and quite often when we need them.

When you think about it, there aren’t that many credit cards that are household names but the Chase credit card is one of them. As with other well know credit cards like Visa and MasterCard, it can be used wherever you are in the world making it a truly global credit card. But it doesn’t stop there as the company responsible for the Chase credit card also has other service cards to help with travel, vehicles, gas and a special one for students. So the Chase credit card has many uses and is a reliable companion for you everywhere you go. For many people that work long hours, the internet is often the only way they can do any personal shopping. Aside from making it easy for the customer to maintain their account online, Chase credit card lets you check your balance and pay your bills through a secure web site.

For some people, the ease with which they can go online to manage their account is the only excuse they need to own a Chase credit card. No membership fees, low APR’s and special deals make for an attractive credit card package.

Reward programs to thank the Chase user are quite normal with all the various Chase credit cards. I suppose it is up to you which type of card you decide upon as they are designed to suit different types of people. Once you have accumulated enough points you can cash them in as it were, for anything that is shown in the catalogue. There is bound to be a reward just for you including trips if that is what you like. Chase credit cards know that if they look after their customers they won’t lose them; a philosophy that many companies could learn from. Ok so the gifts are great but how many companies will give you excellent customer support twenty four hours a day? This service comes into its own if there is a case of a lost or believed stolen credit card, when you need a replacement, fast!

If you are thinking about transferring your balance then this is the way to do it with a guaranteed six month zero percent interest rate which also incorporates current purchase balances as well. If you pay your bill in its entirety each month then you will not have to pay any interim interest. Apart from the catalogue gifts, Chase will also give cash rewards to holders that purchase goods with the card. Many people are put off of transferring balance because there is usually a fee but Chase has waived this charge and it can even be done securely on their web site.

Comparing 0 APR Credit Cards

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With all the introductory 0 APR credit cards popping up all over the internet in emails, on websites as advertisements and even in the regular mail through flyers, it is very hard to decide which credit card company is really offering the better deal in the long run. The introductory offers all look great but what happens after they expire? Do not take the introductory offer for 0 APR credit cards at face value. Above all, do a bit of research before you make your decision.

There are so many different 0 APR credit cards being offered that you can become overwhelmed. Today, you can find several companies offering 0 APR credit cards and other incentives to get you to apply for their credit cards.

The four most popular offers today include:

Citi Platinum Select Card You must have excellent credit or you will not be approved for this 0 APR credit card. The card offers 0% APR on balance transfers and purchases for your first 12 months. There is no annual fee, you can manage your account online, and there is zero liability on unauthorized purchases.

Chase Platinum Credit Card – With the Chase Platinum credit card you can be approved for their 0 APR credit cards but you must have at least good credit. You’ll get 0% interest on all purchases and balance transfers for up to 12 months. However in some cases 3 months is all you get for 0% on balance transfers (your credit history comes into play). Regardless, you won’t have to pay an annual fee and you can also access your account online. Whether you qualify for 3 months or 12 months of 0% interest, you will be paying a competitively low APR after the introductory special.

Discover Platinum Card With this 0 APR credit card you will receive the 0% introductory special for 12 months on purchases and balance transfers, with no annual fee and 5% cashback on purchases made at certain stores such as bookstores, gasoline stations, and restaurants. You’ll also get 1% cashback on all other purchases and the cash rewards will never expire as long as you are a cardholder, and in some cases, you can even double your cashback bonuses. Keep in mind, that you will need to have excellent credit to qualify for this offer.

Blue from American Express is one of American Express’ 0 APR credit cards that will give you 0% for up to 15 months, no annual fee, a credit card reward program as well as online account access. Once again, you must have excellent credit to be approved.

This is the information that you will first see when you visit the websites for these card offers while you are searching for the best deal on 0 APR credit cards, however, you should never apply with this information only. Be sure to learn if any of the points or cashback options have expiration dates, and above all, always be sure to thoroughly investigate the card offer’s terms and conditions before applying.

Acing Any Credit Cards Instant Decision Process

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Today, when you apply for credit cards, instant decision algorithms tell you very quickly whether youve been accepted or not. The banks have tightened their credit card approvals process considerably since the financial crisis, though. The fact that instant decision systems exist, though, shouldnt lead you to think that passing a credit card verification process is simple.
Whether you choose to submit your application online or in person, the fact that youve applied appears on your credit report. You dont want to apply unless you feel that you have a good chance of being accepted.

Your first step in applying for a credit card should be to get a soft pre-verification check done. Many banks and other personal finance websites provide the service. A soft check doesnt pull your credit report it merely evaluates your chances of passing a proper credit card verification check with whatever information you are able to fill in.

If your pre-verification check seems less than certain about your chances, you need to do everything you can to improve your chances. Only then should you apply in earnest.

What Can You Do To Improve Your Chances?

The health of your credit file is an important part of how easily you pass an instant decision for a credit card. Before you fill out an application, it would be a good idea to check out your credit yourself and to build it up as well as you can. If you have missed payments recently, you should make sure that you pay regularly for a few months before you attempt to apply for a credit card.

Once You Have Worked On Your Credit Rating

To even begin to qualify for a credit card, you need to be a UK resident and at least 18 years of age (many banks require that applicants be 25 years of age). Depending on what kind of credit card you are applying for, a regular income and some financial history may also be required.

A part of your success passing a card application decision comes down to doing a good job providing accurate information on the form. Since the banks always ask for multiple documents to back up the information that you provide, any mistake that you make will be caught out. Keep documents on hand for the following.

Identification that shows your name, title and contact information

You will need details of your job on hand what your job title is, whether you are employed full-time or part-time, the name of your employer and the relevant contact information. The longer you have served with the same employer, the better your chances getting a good credit card someone with a steady job is considered a good bet.

Youll need to provide some financial information. You need proof of what your exact salary is and where your bank account is. You should have the name of the name of the bank that youve operated regularly for the longest time. A long banking record works in your favor.

You could need to provide details of any loans that you have to your name. You need to be careful not to omit any known loan. The credit card provider could easily verify the information that you provide.

Make Sure That You Apply For The Right Kind Of Credit Card

Many credit card applications end in rejection simply for the reason that applicants applying for cards aim far higher than they could ever qualify for. If you have an average income, for instance, it makes no sense applying for a high-end prestige card.

Sometimes, its the banks that choose a credit card for you. If you have good credit, a bank may approach you with an offer of a preapproved credit card. Even if you have a bank choosing a credit card for you, you still do need to check it out yourself to see if its the right card for your needs. Does it offer you a reasonable APR? Is the grace period a fair one? Are the rewards and balance transfer rules the right kind for your needs?

With todays credit cards, instant decision approvals make a process that used to be tedious and time-consuming easy and efficient. Its up to the consumer to use these offers responsibly.

Chase Credit Card Application Status

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In todays world, there’s no doubt about how important to people the credit card has become over recent years. Providing you can manage your debts; is there anything wrong with using your credit card to have what you want right now.
One of the most popular brand names of credit cards in the market today is the Chase credit card. Accepted around the world, the Chase credit card is similar to many others. Aside from Chase credit card, the company also offers travel cards, Auto & Gas cards and student cards.
So there are a number of reasons to have a Chase credit card all of which will be of great benefit to the user over time. Probably the most used feature is its online capabilities used by workers and other people that have little time to go out shopping. Using the web site, secure of course means that managing your finances is only a few mouse clicks away.
For some people, the ease with which they can go online to manage their account is the only excuse they need to own a Chase credit card. If you are looking to save money then Chase offers waived membership fees along with other introductory deals including low APR’s.
There is more than one type of Chase credit card and loyal customers can expect to be rewarded when they use the card. For those that don’t fly but still want rewards then they can have a version of the Chase card that will award you points when you spend any money. These points will then enable you to purchase from a Chase credit card catalogue and they will have your chosen item shipped to right next to your doorstep! There are holidays, plus other well sought after rewards and all at no charge to you.
Chase credit cards know that if they look after their customers they won’t lose them; a philosophy that many companies could learn from. Well all like our gifts but knowing that no matter where you are or what you are doing there is someone to talk to if you need them can often mean much more than material goods. You will really appreciate this if you are abroad and your card is lost or stolen because a new card will need to be sent to you as soon as possible.
If you are thinking about transferring your balance then this is the way to do it with a guaranteed six month zero percent interest rate which also incorporates current purchase balances as well. A no annual charge policy and if you pay your bill in full, there will not be any other interest charges to pay. Having a Chase credit card also allows the holder to earn cash rewards on purchases. If you are considering transferring your account or balance, it is easy over the internet with the secure server.

The Lowdown on the Orchard Bank Secured Credit Card

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When your credit history is proving to be a hindrance to your financial well-being, perhaps it is time for you to get a secured credit card. One of the cards worth your consideration would be the Orchard Bank MasterCard secured card issued by the HSBC Bank of Nevada.

This card targets customers with poor or limited credit ratings, and aids them towards improving their credit histories. A secured credit card works by requiring the card holder to deposit cash into their credit card account prior to utilization. This way, this credit card prevents its card owners from incurring more debt whilst helping them re-establish their credit history.

An additional advantage unique to this card is that the deposits in the account are paid interests by the bank. In the effort to establish a healthy credit rating, customers must bear in mind that late payments must be avoided, and they have to be aware of the current annual percentage rate for the card as the APR of the Orchard Bank Secured Credit card is based on a variable rate. Although, the regular rate now stands at 15.90%, the actual rate is dependent on the Prime Rate. APRs for cash advances are higher than most cards at 23.40%, with a minimum rate of 19.99%.

Interestingly enough, the annual fees for the Orchard Bank Secured Credit Card is lower than other most unsecured credit cards. Balances above $1000 will only incur fees of $35 whilst card holders who have charged more than their credit limits will only be charged only $29. Also, there are periodic reviews of the credit limit for each account, so regular payments will enable the card holder to obtain higher credit limits and at the same time improving their credit history.

Finally, the Orchard Bank secured credit card also offers a lot of perks not evident in other competing credit cards. These would include Internet services, emergency replacements for stolen cards as well as numerous protection services against fraud and identity theft.