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ChaseCreditCard-Chase Platinum Credit Card

• ChaseCreditCard for Chase Platinum Credit Card has no annual fee - The most wanted features for people when choosing credit cards to apply
• ChaseCreditCard for Chase Platinum Credit Card applies 0% introductory rate for APR up to 12 months period.
• Standard APR rate after introductory period expired is starting from 19.99% . The APR rates for Chase Platinum Credit Card may be vary base on the application and credit history review. APR for Elite and Pricing is 10.99% variable and for 14.99% variable for Elite Pricing after 12 months introductory period expired.
• Chase Platinum Credit Card is available for Hertz Car Rental discount
• ChaseCreditCard for Chase Platinum Credit Card provide Cash Advance APR rate about 20.99% variable for Elite and Premium Pricing and Cash Advance APR rate is 24.99% variable for Standard Pricing.
• ChaseCreditCard for Chase Platinum Credit Card is available for balance transfer
• Balance Transfer APR for Elite and Premium Pricing is 0% fixed APR for the first 12 billing cycles following the opening of your account. After that, 10.99% variable for Elite Pricing, or 14.99% variable for Premium Pricing. For Balance transfer APR rate for Standard Pricing is 0% fixed for the first 3 billing cycles following the opening of your account. After that, 19.99% variable.

You are able to check and manage your account 24/7 through the free online access. You can easily check and monitor your account statement online anywhere.

Here is the option for balance transfer in the application form for Chase Platinum Credit Card.

Balance Transfer Option: The Visa,® MasterCard,® Discover,® American Express® or any store card account(s) you list will show a credit, reducing the amount you owe them by the amount you transferred. The available credit on your new account will be reduced, just as if you had made a purchase. The balance transfer amount(s) will show up on your initial statement for your new account. Your other credit card account(s) will not be closed even if you transfer your entire balance(s). If you want to close an account, please contact the other credit card company directly. It may take up to three weeks to set up your account and post the balance transfers. Therefore, you may need to make payments to your other account(s) to keep them current. Balance transfers are contingent upon issuance of your new account. There will be a transaction fee for each balance transfer if one is disclosed in the Rate, Fee and Other Cost Information that accompany this offer. We reserve the right to decline to process any partial or full balance transfer request and will not process a balance transfer request from any other account with us or any of our affiliates.

** Information about the balance transfer for Chase Platinum Credit Cards is from Chase Platinum Application Form

ChaseCreditCard - Chase Platinum Credit Card

Discover Cashback Card-Discover More Card Clear

• No annual fee - which is the first option for people who finding the right credit cards
• 0% APR which apply in the first 6 months. The standard rate APR after the intro period will be 10.99% and 18.99% 
• 0% APR for balance transfer for up to 12 months period and then standard default rate up to 30.99%
• Cash Advance APR is 23.99%
• 5% cashback bonus on purchase like travel, home improvement stores, department stores, gas, and restaurants. It is applies for selected popular categories.
• Start from 5% up to 20% of cashback bonus at the top retailers when you buy from online shopping website at ShopDiscover.

You can get 5%  Cashback bonus if puchases made from m Circuit City, Sears, iTunes,5% Circuit City, Sears, iTunes,  10% on Nike’s stores,Lands’ End,Barnes & Noble.com,15% on PetSmart, 20% on FTD.com Magazine.com and much more.

• When redeem your cashback bonus, you can get in cash and direct deposit to your bank account or electronic deposit.
• You also can easily to double your rewards when you redeem your cashback bonus from Discover More Card for gift cards or instant eCertificates from 100 Brand Name Cashback Bonus Partners like Applebee’s restaurant, Home Improvement shops and many more.
• 1% unlimited cashback bonus for all other purchases

Other fees may apply when you use Discover More Credit Card such as fees for make balance transfer and cash advance transaction will be 3%. And as like other credit card Late fee and Overlimit fee will be charge on balances in your account.

Blue Credit Card from American Express

Blue Credit Card from American Express

Most people searching for the low interest credit cards and Blue Credit Card from American Express offer you great deal about it. What you can enjoy from Blue Credit Card are :

• You can make purchases until the first 15 months for 0% APR . But it is depends on the review of your credit history. It can be 12 months or 6 months of 0% Apr base on the application review.After that variable APR of 8.99%,10.99%,13.99%,or 15.99% will be charge also depends on the application review and credit history.
•  Balance transfer APR fixed rate is 4.99%
•  Blue Credit Card provide Cash advance APR for 19.99%
•  It include in Membership Rewards Express Program which you can earn points when you made a purchase.You can earn point per dollar you spend using the Blue Credit Card and can redeem for various selection of clothing,electronics,retail,travel rewards and entertainment . Points you’ve earn have no expiration.And there is no limit on how much you can earn points when using blue credit card.
•  No annual fee
•  This card also has features for Express Pay - which allows you to make purchases without having to swipe your card.

You can have instant approval for as fast as 60 second when you apply for the blue credit card.

Blue Credit Card from American Express

Low rates interest for credit cards top choice

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Prepaid credit cards or Debit Cards

Well most people are so much confuse on using the phrase ‘prepaid credit cards’ which is for me meant to be the debit cards. If it’s credit card how come it can be prepaid ?prepaid cannot be credit. It must be debit. So actually it’s the debit card that always been misunderstood as a prepaid credit card.

It is a lot of benefit when using the debit card. It just like your atm card/bank card plus a visa logo or a mastercard logo on it. Which is mean that you can use or treat it like a credit card. But truely the debit card is only for strong financial person only. Or it is for a person who are very concern and controlling their financial in details. It is a good option for that group of people.

But for most of people … think they better have credit card one in their back…even though they not intend to use it. But at last they will end up using the card.

Cash back credit cards

It is so exciting when to hear that you can get your cash back after purchase using the credit cards. I heard a lot of customer really happy on the citi credit cards when they get their cash back even though always using on plastic.

Gas Credit Cards

While gas prices keep on rising now, it might be a little help when using credit cards to pay on the bill. Using gas credit cards has a lot of benefits.

$8 card reader to hack your credit cards

I came across the internet and read from from markpascua.com blog about how easy to hack another’s people credit cards using RFIDs card reader that just cost $8.00. This was originally shown on demo from boing boing website (boingboing.com).

RFIDs was made for security purpose and to transfer data more faster during the transaction. And currently more companies are issuing their credit cards with embedded one.

The $8.00 card reader can read personal data from those credit cards such as the cardholder name, credit card numbers and whatever else your bank embeds in this manner.

Seems that it is too cheap and easy the “sniffing” can be, Holmans the hacker and inventor recommends using a metal wallet.

Student Credit Cards with low interest rate

Student credit cards always come from parents. Nowadays parents are easier to transfer money to their children in college using the credit cards. Why ? Time consuming.

Even though it looks like an expensive way, but i think it is more convenience than using banking service. One more thing is, it is definitely more faster than transfer money from bank to bank to get the money instantly.

I’d been a student before…seems too long to wait for the allowance clear to my bank.

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