Chase Platinum

0% Introductory APR for up to 12 months on all purchases and balance transfers*
No Annual Fee
Interest-free grace period when you pay your bill in full each month
Get great Platinum privileges

Choose all the privileges of Platinum, with a 0% APR for up to 12 months.
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0% Introductory APR for up to 12 months on all purchases and balance transfers*

• The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
  
• No Annual Fee
  
• Interest-free grace period when you pay your bill in full each month

• FREE Online Account Access
  
• FREE travel services including Auto Rental Insurance and $500,000 Worldwide Travel Accident Insurance
  
• Zero Liability on unauthorized transactions**
  

DID YOU KNOW?

	RIP-OFF #1: One of the biggest rip-offs mortgage companies don't want you to know about is the "Glossing over of the prepayment penalty". Many Mortgage Companies "Gloss over" the prepayment penalty during the loan application and closing, hoping borrowers don't discover its existence SOLUTION: Ask up-front if there is a prepayment penalty on the loan, and if so, how long it lasts (anywhere from 1-5 years). Then when signing, ask, "Show me where it says there is no prepayment penalty," or "Show me the terms of the prepayment penalty." Conforming, low interest rate loans do not have prepayment penalties. Creative, non-conforming loans do have prepayment penalties most of the time. As long as the duration of the penalty matches with the time you plan to keep the loan, then there is no problem. Seeing it in print before you sign will prevent an unwanted surprise. RIP-OFF #2: Some Companies try and sell the overpriced biweekly mortgage payment plans. The plan is sound, the rip-off is the cost - typically $400 for a program you can do yourself for free. SOLUTION: Pay an extra payment during the year on your own. It accomplishes the same thing! RIP-OFF #3: We talked about this earlier, but we must say it again…Paying too much in fees is a rip-off. This could be in paying too much for loan origination, loan discount, broker fee, or various "junk fees". Comparing the APR (annual percentage rate) is supposed to give consumers a fair comparison, but it does not. Why? Because all companies do not calculate the APR the same way (even though they are supposed to!) SOLUTION: Use the Mortgage Shopping worksheet (see at the end of the article)! RIP-OFF #4: Some Mortgage Companies attempt to take away your right to shop around. Sometimes loan officers will tell people not to talk to other mortgage companies, because too many inquiries on their credit report will lower their score and prevent them from getting a good loan. Don't fall for this gimmick! SOLUTION: Know all three of your credit scored from the mortgage Company who ran your credit report so you can shop around. Simply tell the New Lenders you are shopping what your three scores are. If they demand on running another credit report, take your business somewhere else.Do not get ripped off on your mortgage!

In these times of sky high gasoline prices and rising costs of transportation, consumers are increasingly interested in credit card services that give them discounts on gas. Instead of looking into a specific gas credit card from an oil and gas company, you might look at the offer for a Chase credit card that gives you gasoline rebates when you use your card.

You can find the Chase credit card offer online at their website, http://www.chase.com. Simply look for the card called the Chase PerfectCard MasterCard. There are several credit card services offered along with this card that consumers find attractive.

· When you use your Chase PerfectCard MasterCard to buy gasoline for the first ninety days, you receive six percent of your purchase price back on your card. So you can go to any gas station anywhere and fill up your car or truck knowing that six percent of your bill will be come back to you. This gas credit card gives you the rebates in the form of credit on your account towards future purchases. So you will not receive a rebate check or cash back award at the end of the year as with some credit card services. Instead, you will automatically have access to this rebate amount when you use your Chase credit card in the future.

· After your initial trial period of ninety days is complete, Chase gives you three percent back on all gas purchases. Anywhere you fill up your tank, you get this rebate benefit. This is better than having a traditional gas credit card with only one gas company, as you would not have the freedom and flexibility you have with the Chase PerfectCard MasterCard.

· But the rebate deals do no stop there. You also receive one percent of all your purchases made on other products and services. This means that no matter what you buy with your Chase credit card, or when or where you buy it, you receive one percent of your purchase price in the form of a rebate. The one percent will be credited to your account for use in the future. Most cards only offer cash back rewards like this. But the Chase PerfectCard MasterCard offers you not only a return on your purchases, but a way to cut down on your transportation costs as well.

· With the Chase PerfectCard MasterCard, there is no annual fee. This is a great deal. You get rebates on all your purchases and you do not have to pay a fee for the credit card services.

· Chase also offers you the all important feature of quality customer service. The Chase customer service hotline is available to you where ever you live or travel at any time of day. If you have a question about your rebates or a need to review your account information, the Chase customer service representatives are at your disposal. And remember that Chase is a banking institution that has been around for many years and is one of the most reliable financial companies you can find.