Chase FreedomSM Cash Visa Signature

Earn 3 Points for every eligible $1 spent1 in purchases at: Grocery Stores, Gas Stations, Quick Service Restaurants.
Earn 1 Point for every $1 spent1 in purchases everywhere else
Get a $50 Check once you've earned $50 in rewards
Save up $200 in rewards and redeem for $250 cash back
Save with 0% APR* for up to 6 months** and No Annual Fee

Take control of your rewards with

Chase FreedomSM.

• Grocery Stores: Stock up on food, household goods and more
  
• Gas Stations: Use your card for fuel, repairs, car washes, and other purchases
  
• Quick Service Restaurants: Rewards add up fast from pizza to hamburgers to tacos - even sandwich shops, coffee houses and more
  
  


• Earn 1 Point for every $1 spent1 in purchases everywhere else
  
• Reward yourself with as few as 1,000 Points
  
• Save with 0% APR* for up to 6 months** and No Annual Fee
  

DID YOU KNOW?

	What is an Option? An option is a traded security that is a derivative product. By derivative product we mean that it is a product whose value is based upon or derived from the price of something else. Since we are talking about stocks, a stock option is based upon, among other things, the price of the underlying stock. There are also options on other traded securities such as currencies, indexes and interest rates, but here we will limit our discussion to stock options, or options based on stocks. A distinguishing factor of an option is that is a depreciating asset in the sense that it has a limited life, and has to be used before the date on which it expires. As time goes by, the option loses value as it moves closer to its expiration date When we speak of options in terms of volume, we refer to contracts. Each stock option contract is equivalent to 100 shares of stock. When we talk about two contracts, we are talking about 200 shares, 10 contracts; we are talking about 1,000 shares, 75 contracts 7500 shares and so on. Amount of Shares Equivalent Amount of Option Contracts 100 1 200 2 1000 10 7500 75 15000 150 50000 500 100000 1000 NOTE: It is important to understand the dollar cost of options before actually trading them. When an option is quoted at $1.00 per contract, the investor must realize that the $1.00 represents a price of $1.00 per share, not per contract. Remember that each contract is worth 100 shares. This means that if you were to buy one option contract at a quoted price of $1.00, your total cost will be $100.00 (1 contract x $1.00 per share x 100 shares per contract). If you were to buy 10 contracts for $1.50 per contract, your total cost will be $1500.00. Use the formula below when calculating total dollar cost of the option. Total Dollar Cost of Trade = Number of Contracts x Price per Contract x 100 Option contracts are literally a sales agreement between two parties. The two parties are the buyer (or holder) and the seller (or writer). When you buy an option contract you are considered to be long the option. When you sell an option contract, you are considered to be short the option. This, of course, is assuming you had no previous position in the said option. In an option contract, although it seems as though the buyer and seller must be tied together, they are not. You see, the buyer doesn’t really buy from the seller and the seller doesn’t really sell to the buyer. In reality, an organization called the OCC or Options Clearing Corporation steps in between the two sides. The OCC buys from the seller and sells to the buyer. This makes the OCC neutral, and it allows both the buyer and the seller to trade out of a position without involving the other party.

Under a debt consolidation plan, terms and conditions change, it will allow you to pay your current debts in 3-6 years. The purpose of debt consolidation is to speed up your paying time and at the same time makes lower monthly bills.

You have to make sure that the new cost of the consolidated loan is truly less than what you are currently paying for to the various creditors. Not getting the lowest available interest rate has always been a problem faced by consolidation loan applicants. Be sure that there is something to secure the loan like your house for example.

It is highly recommend you to calculate the interest and the fees of all your existing accounts to see the total payments you’re making at present. After computing this, compare the figure with the consolidation loan amount. This will determine if you’re making a better choice or not.
Be sure to make your deposits on time, if you are already under a consolidation loan. This will assure your creditors that you really intend to pay for your debts. Having delayed payments might cause the creditors to resume the normal collection activities and what’s worse, they might turn it back to the regular interest rates and fees.

Be sure to keep in touch with your consolidation representative. There may be instances that your account will be turned over to a collection agency. Keeping your agent updated on the changes will help you solve your problems.

Pay your credit to your consolidation company. They are the ones that divide how much goes to each creditor.

Always check on your creditor’s statements. It is your duty to monitor the monthly statements sent to you by your creditors. Check if your creditor has reduced the rates. They should also have the late fees stopped. Also check if your debt consolidation company is paying your creditor the right amount.

There are many types of debt consolidation loans available. There could be a loan that would take you a longer time paying but has a higher interest rate. There are also loans that offer short payment duration and a lower rate of interest. If you could not pay for a larger amount every month, you could choose consolidation loans that offer a longer plan.

There is the variable rate debt consolidation loan that allows you to make extra repayments anytime with no extra cost. However a fixed rate debt consolidation loan will only accept fixed repayments for the duration of the loan.