Blue Cash from American Express

No annual fee
Up to 5% cash back on all qualified purchases with Unlimited Cash Rewards
Flexibility to pay over time
"0% Intro APR for 6 months."
Online application approval decisions in under 60 seconds
Balance transfer requests submitted on application receive APR of 4.99% for life of the balance.
Go To Rate: Prime + as low as 4.99%
Express Approval. Get a decision in less than 60 seconds.

Take a look at some of the great benefits offered by Blue Cash from American Express! · No annual fee · Up to 5% cash back · 0% Introductory APR
Take a look at some of the great benefits offered by
American Express® Blue CashSM
No annual fee
Earn up to 5% cash back at the places you frequent most, like supermarkets, drugstores and gas stations.
Express Pay is built into the card! Checking out is a breeze with the built-in ExpressPay feature, a payment technology that lets you make purchases without having to swipe your Blue Cash from American Express
0% Introductory APR; as low as a variable Prime + 4.99% APR thereafter
Up to $100,000 line of credit
Choose to carry a balance or pay in full
Online Fraud Protection Guarantee--protects you against unauthorized purchases online.
Built-in Smart Chip--for added Internet security.
Plus, An Exciting, Free Rewards Program
2

DID YOU KNOW?

	Who knows, you are going out for a long drive, and your car breaks down midway. Experts say that there is more than 10% chance of breaking down each year if your car is more than 3 years old. It is worse in the winter. You can avoid breakdowns by taking precautionary measures like re-servicing your vehicle each month. However, getting your breakdown insurance is a good option to protect you financially if your car vehicle breaks down when it is least expected to. Types of Breakdown Cover Roadside Rescue: If your vehicle breaks down outside a specific distance radius from your home, breakdown insurance would pay for the servicing amount except the charge for new parts. The company will provide you with other helps. However, the incident is at your home or within specified radius of your home, and then it won’t be covered. Home Rescue: It covers the same as the roadside rescue; it extends the coverage to your house. It includes getting your vehicle checked at the local garage. Recovery Plus: It covers both home and roadside breakdowns. It provides a hire car to either return home or continue your journey. And also it covers the cost of alternative transport to enable your journey or return home to be completed. If the breakdown happens a set of miles away (specified in the policy), accommodation in a local hotel while awaiting completion of repairs will also be provided. Continental Cover In UK, European Rescue Breakdown covers roadside breakdown in continental driving. It covers the charge of repairing or bringing your car back to UK in case your car can’t be repaired. However, it doesn’t cover the charge of new parts. So, it is always wise to have this insurance, if you are driving across Europe as you can face fees for roadside assistance charge for every kilometer your car is being towed. Partners and Family Some policies also cover spouse or partner; however check it with the insurance company. Some companies look whether your spouse or partner is living with you at the same address. Family cover includes you, a partner and usually two children under 21 living at the same address as you. Check whether your policy covers all the persons traveling in the car. You need to wait nearly 25 minutes to an hour for a roadside assistance. Some policies fix the number of calls to five or six each year. You may get more if you have a joint cover or family cover. If you exceed the limit you must pay for the assistance. Policies do not cover the cost of new parts. Some policies do not cover trailers and caravans. Animals are usually not covered.

In recent years debts have became a part of most of our lives. Almost all the things are made available to us via credit. However, this easy availability of credit has its own share of pitfalls. Some of the borrowers take excessive amount of debts and have trouble repaying them. The excessive amounts of debts taken can lead you to serious consequences.

Now, before going into the details of credit and debts, let’s learn about the origin of them. It is said that the first known use of credit was about 3,000 years ago in Assyria, Babylon and Egypt. It came to other parts of the world with the growing demand of needs and wants of the consumers.

It should be remembered that if you fail to repay your debts, it can lead to serious consequences. You might find it difficult to come out of the trap of debt. However, you don’t have to worry. There are options available to help you come out of the debt trap.

It has been observed by the experts that one of the best route via which you can come of the debt trap is by taking up a debt consolidation loan. A debt consolidation loan is specifically designed to help you come out of the trap of debt.

A debt consolidation loan is attached with a range of benefits. Let’s check out some of them:

• The rates of interest for debt consolidation loans are generally lower than that on unsecured personal loans and credit card dues.
• It is easily affordable and manageable.
• The term of loan offered is longer.
• You have to deal with a single lender.

Debt Consolidation Loans can be both secured as well as unsecured. A secured debt consolidation loan is attached with collateral, mostly in the form of your home. In contrast, unsecured debt consolidation doesn’t require any collateral against the loan. However, it should be kept in mind that the rate of interest charged in secured debt consolidation loan is generally lower than unsecured ones.

Like any other form of borrowing, a debt consolidation loan also needs to be repaid. So, before applying for a debt consolidation loan, make sure that you can afford the monthly repayments. If you fail to repay your debt consolidation loan, it can lead to serious consequences. In case of secured debt consolidation loan, your lender might even repossess your home, if you fail to repay. It is advisable for you to precede your decision of applying for a debt consolidation loan with a budget. This will help you to find out whether debt consolidation loan will be the best option for you or not.