Secured Credit Card

The J.P. Chase and Company provides tons of options to the people at large, thus enabling them to properly manage their money matters. The same can be said about the Chase credit cards, which come with very lucrative and beneficial offers. One of them is the Chase Travel Plus Platinum Visa Card, which is truly beneficial for those who are frequent travelers.

The Various Aspects of the Credit Card

The introductory annual percentage rate of this card is 0 percent; this rate is applicable on balance transfers or new purchase for the first twelve months. Once the introductory period expires, the annual percentage rate increase to 14.24 percent. The variable annual percentage rates depend on the prime rate.

If you pay your balance full each month then you are sure to reap great benefits. If, however, you plan to carry balances, you will invite unnecessary finance charges (due to the ‘Two Cycles Average Daily Balance’ method used to calculate the finance charges).

The card charges no fees. You are not required to pay anything towards annual fee; there is nothing as participation fee, reload fee, application fee and/or inactive fee. The rewards for this card are in the form of miles.

The Credit Card Rewards

The Chase Travel Plus Platinum Visa Card is very apt for those who are interested in travel reward credit cards. If you are a credit savvy and credit worthy consumer, then this card is worth your needs.

The reward program for this credit card is very interesting. You will have to pay $29 to be inducted into the rewards program. There is the chance of earning one mile for every single dollar spent on the purchases. You can also use your accumulated miles towards hotel charges, car rentals, cruises and many more. The reward program enables you to save for 250 airlines.

The various platinum services of this card incorporate auto rental insurance, travel accident insurance, travel and emergency services and many more. You can also make transactions with your account from anywhere in the world through the Internet.

The other services of the platinum card include emergency card replacement, emergency cash replacement, lost and stolen card reporting and many more. The cardholders also get purchase protection and they will not be liable for unauthorized card transactions.

Therefore, if you love to travel, then you should start using the Chase Travel Plus Platinum Visa Card, which will enable you to save miles for your next vacation. Before you do so, go through the card limitations and restrictions.

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The surge in applications for instant approval business credit cards has caused a dramatic increase in credit card usage among small business owners according to the 2009 Small Business Credit Card Survey.

Since April, the top TARP recipients cut their small business loan balances by $8 billion dollars. While traditional loans have dried up and lines of credit get cut, banks have decided to funnel more of their small business lending with business credit cards.

Even though some leading credit card companies like Advanta left the card business entirely it’s refreshing to see that banks like J.P. Morgan Chase card services launched four more cards specifically targeted at small-business owners. As these instant approval credit card offers enter the market to compete for your business it’s important for you to consider all the business credit card options and compare the costs to the benefits before you apply.

Here are just a few to take into consideration:

Cash Back – Many cards now offer cash back rewards. For example Chase’s new InkSM Cash has unlimited cash back and accelerated earnings on its card. This is a great perk because it rewards you for spending on everyday business purchases that you do already. Make sure you understand what the card’s limitations are and read the fine print before you apply.
Frequent Flyer Mileage – Getting frequent flyer or airline miles cards is a very popular perk for business travelers. Once you accumulate enough points you can redeem them for airline discounts or free nights at participating hotels. Make sure you know if there are any limitations prior to applying.
No Annual Fees – Many cards now waive the annual fees. Keep in mind that your credit score needs to be strong to get these types of cards. However, if your business pays its balance in full every month then this is definitely the way to go if you can. In effect, if you pay your balances, you get the card for free.
Zero Percent Balance Transfers – This can help you reduce your high interest debt. Be sure to never miss a payment or you’ll immediately lose your interest free terms and have to pay the full rate.
Payment Reporting – Traditionally, the majority of the easy approval business credit cards in the marketplace report your payment history and revolving debt to your personal credit files and not to the business bureaus.

However, some companies have started to catch on to the new world of business cards like CSI MasterCard, JP Morgan Chase and American Express. They understand that it should be used for business purchases and any debt incurred should only report to business credit reports not your personal one. When you apply for instant approval credit card offers they check your personal credit report, but your payment history and debt report to the business bureaus. This is what every small business owner like you should demand from a business credit card.

One important catch is if your accounts become delinquent then these companies will report the delinquency to your consumer credit bureaus as well.

Finally, keeping liability strictly tied to your business can be accomplished with no personal guarantee business credit cards. There are less than forty of these types of cards available and you will need to have a strong business file in order to qualify.

With the growth in business bureaus, data suppliers, and business files across the country more and more companies will have to supply an ever growing demand of new cards that will have to measure up to the needs of today’s small business owner.

I encourage you to choose cards that will best serve the needs of your business while supporting the growth of your business credit file and limiting personal liability.

Related to : www.myeasypayment.com

Like most banks and financial institutions around the world, Barclays offers a myriad of financial services to its clients. Barclays services are not at all limited. It is the second biggest bank in the UK and is one of biggest financial institutions in the world. When it comes to financial institutions, it is one of the best, ranking high in the 2010 Forbes Global 2000 list. It offers institutional advice for those interested in investing the market. It offers lending services to those in need of more cash. And of course, it helps people keep and grow savings through their personal banking services. Barclays is also big in the card scene. They offer clients many types of credit cards. You may apply for one depending on your financial status. Entry-level applicants can try out for a Classic card, while more credit-experienced people can apply for the Platinum services. One special type of Barclay card is called the GoldFish credit card.

Around 2 million people in market today hold a GoldFish credit card. It is a special Barclay card especially released for individuals without credit experience. It offers very low interest rates, no annual fee and online services. The GoldFish card is perfect for young people who want to have their own card. The GoldFish credit card offers a lot of benefits on top of the regular benefits offered with every Barclay card. Although they were reduced a few years ago, GoldFish benefits are still substantial; most of the benefits you get from it, you cannot get from other entry-level cards. The average APR for the GoldFish card is 17.9%. This rate can vary depending on your application’s assessment.

The GoldFish credit card is perfect for any credit starter-upper. With it, risk is minimal, but at the same time, you still get benefits. Barclays, of course, offers great services to its customers. However, a GoldFish cardholder shouldn’t expect to get the same level of service as a Platinum cardholder. Of course, once you’re ready, transitioning to a higher level card will be easy.

Related to : www.myhomedepotaccount.com

I am delighted to say that I am a credit card deadbeat! In fact, some of you might already be credit card deadbeats too, if so, I commend you for your excellent work! Now, as for those who don’t know what a credit card deadbeat is, before you start thinking I have a screw loose, you may want to continue reading!

When I say that I am a credit card deadbeat, I don’t mean that I avoid my credit card bills. To the contrary, a credit card deadbeat is the insider term used by credit card company executives and refers to all of the credit card users who pay off their bill each month promptly; in doing so, such customers pay no interest and prevent the creditor from making any profit! That’s me! I love being a credit card deadbeat!

The alternative to being a credit card deadbeat is what credit card executives call a revolver. A revolver is a credit card user that constantly carries a balance and is charged regular, monthly interest on their charges. Credit card companies love revolvers because they, in essence, increase the bottom line for the credit card company and make them a nice profit. Further, from an insider perspective, the best customers not only carry a balance, but also make their payments late, triggering extra fees and a higher interest rate.

Okay, so I’ve been a credit card deadbeat for awhile now, but last year I went even further in improved my deadbeat ways. Not only did I hang onto my hard earned cash by refusing to line the wallets of the credit card companies, but I also happily lined my own wallet with their money, to the tune of $1,402. Yes, that’s right, they paid me $1,402 to use their cards; continue reading to find out how!

Cash Back Credit Card

First, I applied online for a Cash Back Credit Card and I was instantly approved. My new cash back credit card arrived to my house the following week ready for me to use. This card offered me 0% APR for 12 months and carried no annual fee; With it, I made all of my gas purchases, as well as grocery and drugstore purchases and earned 5% back cash back on the gas purchases and 1% back on all other purchases. I have a family of four and the gas purchases included gas for my spouse’s car as well. My average monthly purchases and cash back earnings were as follows:

Monthly Gas Purchases $325 x .05 = $16.25

Monthly Grocery Bill $1,200 x .01 =$12.00

Monthly Drugstore Purchases $160 x .01 = 1.60

Total Cash Back Earnings From Credit Card $ 29.85 x 12 = $358.20

Airline Rewards Credit Card

I also applied for an airline rewards credit card and again was instantly approved online. Like the cash back credit card, my new airline rewards credit card arrived the following week, came with a 0% introductory APR for 12 months and had no annual fee. This credit card earns 1 frequent flyer mile for every $1 charged.

I charged many of my miscellaneous expenses, including major purchases and business expenses, on my new Airline Rewards Credit Card. As a result, the qualified expenses came to an average of $2,250 monthly or $27,000 for the year, earning 27,000 frequent flyer miles, more than enough for an airline ticket to Hawaii: a $500 value!

0% Introductory APR for 12 Months

Now here’s the kicker. Since both credit cards came with a 0% introductory APR for 12 months, I paid only the minimum payments on each card and placed the money for my purchases into a savings account earning 2.5% (rates have gone up since). Using averages for simplicity, I made 12 monthly deposits of $3,935 into a savings account earning 2.5% interest compounded monthly. By the end of the year, I earned $544 in interest!

My Total Credit Card Earnings for the Year

So here is my total earnings from the cash back credit card, airline rewards card, and interest earned.

Cash Back 12 x 29.85 = $358

Free Airline Ticket $500

Savings Account Interest $544

Total Earned $1,402

Just to make sure I maintain my deadbeat ways, now that the 0% introductory rate has expired, I’ve paid off my balance from the money I deposited into my savings account during the year. To be a credit card deadbeat you need persistence, determination, and discipline. I did it, and so can you!

Related to : www.myeasypayment.com www.mycokerewards.com

Getting answers to your credit card application questions is an important part of the process of obtaining a line of credit that meets your needs, and does not have to cost you an arm and a leg! By finding out the details in advance, you are in a better position to make the best choice for your needs. It may help if you think of yourself as a credit card detective as you go through the application process.

Question: Is there an annual fee?

One of the credit card application questions you need to get answered is whether the card you are considering requires that you pay an annual fee. You will need to pay this amount whether you are using the account or not. Not all consumers feel that paying a fee to keep an account open is a good deal.

Question: What is the APR?

The APR, or Annual Percentage Rate, is the rate of interest that you are charged for purchases and cash advances made against your card. Some cards will offer a low APR (some are even available at zero percent) for the first few months. After the promotional period has passed, the credit card account reverts to the company’s “normal” interest rate, which may be several percentage points higher than what the customer has been paying.

Question: Will they ask about my bank accounts?

Since the lender is taking a risk that you will be able to pay back and credit you use, yes, you should expect to give evidence of things like how much money you make, how much cash you have access to, and how much debt you carry.

Question: Will they ask about my FICO score?

Your FICO or credit score is important, but the lender won’t ask you to provide this info. They can obtain it directly from on of the three credit rating services.

Related to : www.wachoviabank.com www.mercuryinsurance.com www.myeasypayment.com