Chase Bank Credit Card

  Chase Bank Credit Card  - Things to watch out while applying for Chase Platinum Visa Credit Card  - May 22, 2007  

Looking for a credit card with excellent reward program, and reasonable terms? The Chase Platinum Visa Credit Card has all the features to bowl you over. However, to get the maximum out of your Chase Platinum Visa Credit Card there are certain things to be kept in mind. Let us look at a few of them.

The Chase Platinum Visa Credit Card issued by J.P Morgan Chase has no annual fee and provides a good number of platinum card holder benefits. The card comes with a 0% intro APR for up to 12 months. The thing to be kept in mind regarding this APR is that the introductory rate period will largely depend on your review of application and credit history by chase. Depending on this assessment the introductory period can be either 12 months for purchases and balance transfers or 3 months for balance transfers only. In addition to this to get full benefit of 0% intro APR it is vital that terms and conditions listed with the Chase Platinum Visa Credit Card be followed carefully. These terms can greatly vary how your introductory rate is applied to existing balances. If you are good on your repayments and pay your balances in full before the due date the Chase Platinum Visa Credit Card doesn't charge you any interest.

The platinum benefits that come with Chase Platinum Visa Credit Card allow participation in chase fleixble rewards program. In this program cardholders can earn 1 point per eligible dollar spent. These points can be redeemed for gift cards, travel discounts, merchandise or cashback. The thing to watchout about the Chase Platinum Visa Credit Card reward program is that the reward points are not earned on fees for products that protect or insure the balances of the card member's account. If you use a travel agency service, you have to pay a 'mileage redemption' fee of $14.95.

The reward program of Chase Platinum Visa Credit Card has many fare and space related restrictions. The flights must be booked 21 days in advance and there are tabs on saturday night stays. The Chase Platinum Visa Credit Card doesn't allow the reward programs to be transferred to another frequent flyer programs and there are prefferecd choice of carriers like Continental, Northwest, U.S. Airways, American, Delta, United, and other airways.

If accepted for the Chase Platinum Visa Credit Card, a detailed copy of terms and conditions will be mailed to you. It is in the best interest of credit card holder to read it carefully before using the credit card. Once used, the credit card company assumes acceptance of all such terms and the cardholder becomes legally bound with the terms and conditions. The above facts and terms listed in this article can change anytime without any notice. The latest details about Chase Platinum Visa Credit Card can be had from chase website and reader is encouraged to go through the details to get more insight about this great credit card.

  Chase Bank Credit Card  - Chase +1SM Student MasterCard Review  - Oct 15, 2007  

Are you a Facebook fan? Do you cherish social networking? If yes, this credit card is definitely for you. The Chase +1SM Student MasterCard comes with some cool benefits and even rewards you with a limited edition Facebook T-shirt. What are the pros and cons of this credit card? Let us check out.

Chase +1SM Student MasterCard benefits

The Chase +1SM Student MasterCard® credit card offers a 0% introductory APR on all purchases and balance transfers up to 6 months. It doesn't charge any annual fee. The Chase +1SM Student MasterCard credit card helps you earn Karma points. These Karma points are a good asset at Facebook and represent your community value. If you are approved for the Chase +1SM Student MasterCard you earn 15 Karma Points. You can earn more Karma Points by becoming a member of +1 group on Facebook. This credit card allows you to share your Karma Point with your friends and what more you can also use these points to support cause. Chase has opened a special Chase+1 store where you can earn goodies like music, movies, electronics with your Karma Points.

Fees and other APRs associated with Chase +1SM Student MasterCard

Annual Percentage Rate (APRs) of Chase +1SM Student MasterCard

The Chase +1SM Student MasterCard has a 0% fixed APR for the first 6 billing cycles following the opening of your account. After that, 18.24% variable or 23.24% variable, depending on our review of your application and credit history.

Balance transfers on Chase +1SM Student MasterCard

Balance transfers are allowed on this credit card and it gives a cool 0% fixed APR on balance transfers as well. After this introductory period has expired, an APR of either 18.24 % variable or 23.24% variable will be applied to your balance transfer amount, again depending on a review of your account and credit history. Whenever you make balance transfers to this credit card a balance transfer fees of 3% of the total amount will be charged. This fees has a upper limit cap of $75 and the minimum fees charged for balance transfer is $5 irrespective of the amount transferred.

Cash advance on Chase +1SM Student MasterCard

The cash advances on Chase +1SM Student MasterCard attract a cash advance APR of 24.24% variable and there is a transaction fees for cash advance as well. This transaction fees is levied at the rate of 3% of the total cash amount withdrawn and there is no upper limit to the cash advance transaction fees. However, there is a minimum cash advance fees of $10 to be paid with every such transaction.

Late payment penalties and default APR's on Chase +1SM Student MasterCard

Late payments to your Chase +1SM Student MasterCard credit card account will attract a late payment fees. This fees is different for different slabs. If your outstanding balance is less than $100 a late payment fees of $15 will be slapped, on amounts equal or over $100 but less than $250 a late payment fees of $29 will be charged and if the balance equals or is over $250 a late payment fee of $39 will be charged to your account. In addition to this if the credit card company finds that you've met their criteria of levying default APR, the APR on your account can be increased up to 32.24% variable. The Chase +1SM Student MasterCard has an overlimit fees of $39. This fees is charged whenever you cross the credit limits on this credit card.

Grace period and other aspects of Chase +1SM Student MasterCard

The Chase +1SM Student MasterCard gives the credit card holder at least 20 days as grace period for repayment of purchase balances. It uses Average daily balance method to calculate the balances for purchases ( this applies to new purchases also). The Chase +1SM Student MasterCard is a no annual fee credit card and the minimum finance charge is $1.00. If you use this credit card for international currency transactions, you'll have to shell out an international transaction fee of 3% of the US dollar amount or equivalent (if the purchase was done in a currency other than US dollar).

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