Bank of America PetRewards Visa

0% Intro APR for first six billing cycles.
No Annual Fee
Put your pet's picture on your card
Earn points toward veterinary services, pet food discount certificates, and shelter donations

As rewarding as your relationship with you pet. Apply for PetRewards™ Visa® today!

Reward Program Details

• Points per Dollar in net purchases: 2 Points for each dollar at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores and 1 Point for each dollar using your PetRewards Card on everyday purchases.
  
• Bonus Points: 500 upon first purchase
  
• Program Rewards: Earn points toward veterinary services, pet food discount certificates, and shelter donations.
  
• Yearly Limit on points you can earn: 100,000 points
  
  

Put your pet's picture on your card or choose from one of three adorable designs

• 1 point for every dollar you spend on everyday purchases
  
• 500 bonus points with your first purchase
  
• Rewards begin at just 750 points
  
• No annual fee
  
• 0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 billing cycles.
  
• After your fixed introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 2.99%, 5.99%, 7.99% or 9.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment.
  
• All payments you make will be applied to the lowest APR balances first
  
• No balance transfer fees for introductory transfers
  
  

DID YOU KNOW?

	Personal finance is an individual’s financial status. It’s about how much money you have, and how much you need. It is about managing your money – today and for tomorrow. Money is the currency on which all world economies function. Income – expenditure –bills- debts - savings: These are a fact of life. A constant for most is the endeavor to tip the scales in favor of savings. Successful financial management includes planning and keeping records of income and expenditure, budgeting, balancing your check book, insurance and investments – whether in real estate, the share market, funds or any of the other available mechanisms. You cannot overlook the necessity of planning your savings, your tax savings and your retirement. A very interesting way to look at Asset and Liability is in the following terms: An Asset is anything which brings in money or does not change the status of your money in the bank. A liability is anything which causes money to flow out - whether under the pretext of taxes, interest or fees. Budgeting – This ensures that you are financially healthy and flourishing. It is a good idea to create and use a budget worksheet which allows you to make a detailed expenditure plan and helps you discover any shortage or unplanned expenditures. Some useful tips in planning your finances: - Handle your own money. If you choose a financial consultant, ensure you understand how your money is being managed. - Save a huge amount in interest by opting for a shorter tenure of loan term – home/ car/ personal. - Debt: Should ideally not be indulged in, or repaid at the earliest. - Savings: it is easier to save more if you start early – you can put aside small sums and over the years watch it accumulate and earn interest for you. - Retirement planning: don’t wait till you are 40 to start. Begin today – and ensure a comfortable lifestyle in your old age. Avoid cashing out your PF or breaking your Funds. - It’s a good idea to do an Annual / Quarterly financial health check up.

There are certain things without which we can’t live……….money is one of them. Each one of us needs money to survive and to fulfill our personal wants and desires. Most of us run out of it at some point or the other at the course of our lifetime. That’s the reason almost all of us borrow money at some stage in our lives. You may need money to buy a new car, pay off your debts, home improvements et al. These financial needs requires significant amount of money, which most of us can’t afford. At such situations you can count on personal loans.

If you are a homeowner then you can utilise the equity on your property and make your home pay for your needs and wants by availing secured personal loans. A secured personal loan is a type of loan which demands collateral against the loan taken. It is specially crafted to fulfill all your personal needs and desires.

Secured personal loans are one of the most flexible types of loans available. It can be used for a wide array of reasons like debt consolidation, holidays, education, home renovation etc. It depends on the borrowers how they decide to spend the loan amount. Yet to remember that secured personal loans should not be taken to pay off day-to-day expenses, rather it should be taken to cover up some major expenses. A secured personal loan enables you to borrow from £5,000 to £75,000, although some lenders will consider offering up to £100,000. The repayment period varies from 5 to 25 years.

The main benefit of a

About the Author: The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Chance4finance as a finance specialist. For more information of Secured Personal Loans please visit: http://www.chance4finance.co.uk