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American Express IN Chicago

0% APR on purchases and balance transfers for 6 months
No annual fee
Option to carry a balance
Pay with the Card. Play with the Card.
Earn double INSIDE(SM) Rewards points on city essentials like dining, cell phone service, gym memberships, and more
Plus INSIDE(SM) Double points on City Essentials
Points have no expiration date, there's no limit to the number of points you can earn, and you can redeem points for rewards in Chicago, New York and Los Angeles.

Your City. Your Card.
The new IN:CHICAGO^(SM) Card from American Express helps you take in more of the city you love. It comes with the INSIDE(SM) Rewards program, which lets you earn points that you can redeem for special dining, drinking and entertainment rewards.

IN:CHICAGO^(SM) Card from American Express

• 0% APR on purchases and balance transfers for 6 months
  
• No annual fee
  
• Option to carry a balance
  
• Pay with the Card. Play with the Card.
  

DID YOU KNOW?

	Refinancing your mortgage can save you money through lower interest rates and smaller monthly payments. You can also choose to cash out all or part of your equity to pay off bills or to remodel your home. But which lender is best for you really depends on your credit. For those with near perfect credit, a prime lender is your best choice for finding a low rate. But for those with some credit problems or who want flexible loan terms, then check out a sub prime lender for competitive financing. Benefits Of Prime Lenders Prime lenders usually offer the lowest rates with the lowest fees, but only to those with excellent credit. That means no late payments on mortgages or other loans in the last 24 months. You should also have a debt ration of 36 or less, meaning your monthly debt payments should equal 36% or less of your monthly income. With a few late payments, you may still get approved with a prime lender. But your rates will probably be a percent or more over the conventional rate. You may offset this with a large equity base or large cash assets. Benefits Of Sub Prime Lenders Getting approved with a sub prime lender is much easier than with a prime lender. Even if you have had a bankruptcy or foreclosure in the last few months, you can get a refi mortgage. You can also avoid the cost of private mortgage insurance premiums with a sub prime mortgage. Prime lenders require insurance if you have less than 20% of equity in your home. Sub prime lenders also offer a wider variety of terms and loan options. Finding The Best Refinance Mortgage For You Even within each category of lender, there is a great range of rates. In order to find the lowest costing refinance package, you really need to request mortgage quotes from several lenders before making a decision. There is also the trend for financial companies to deal with both types of lending. So don’t rule out conventional lenders if you are looking for a sub prime mortgage.

As debt becomes a greater factor in the day-to-day life of more people, many wish that they could arrange their lives so as to completely eliminate their personal debts. Though it may seem like little more than a pipe dream, it actually is possible to eliminate most if not all of your debt and live the debt-free life that you've longed for.

Below you'll find basic information on ways to reduce or eliminate most of your debt, repair your credit, and keep what debt you have remaining under control so that it no longer controls you. Becoming debt free might take time, even years… but in the end, it's worth it.

Becoming Debt Free

The first step toward becoming debt free is realizing that you're in debt, and that it's out of control. This might seem like common sense, but there are a lot of people who fail to realize that they have problems with debt until the problem has gotten too bad to be easily remedied.

Once you realize that your debt is starting to spiral out of control, you can begin to do something about it… and that begins with creating a budget.

Budgeting

Creating a budget is easy… staying with a budget is more difficult. Sometimes creating a budget to help you get out of debt means that you're going to have to give up some of the liberties that you've been taking with your expenses and will have to do without a few of the various perks that you've become accustomed to.

If you make sure that you include a “debt relief” fund in your budget you may find that after a while working with your budget is becoming easier… that's because the debt relief fund is going toward paying your outstanding bills a little at a time, and as they are getting paid off you're ending up with more money to work with after your monthly bills have been paid.

Building Savings

After you've begun repaying your previous debts, you should begin thinking about the future. Open a savings account if you don't already have one, or if you do have one then use it. Continue to make payments toward your old debts, and put a little bit of money aside each month… it doesn't have to be much, because even a little bit will add up over time.

Try not to access your savings unless it's a major emergency, so that as you get rid of your old debts you're also building up a reserve to help take care of new ones.

Managing Credit Cards and Loans

Eventually, you'll be able to pay off your previous debts… but what happens when new debts arise? When applying for credit cards or loans in the future, take care in making sure that the interest rates and monthly payments are within the realm of what you can reasonably pay without straining your finances.

Loans and credit cards can be good, and can help to rebuild your credit after past problems… just make sure that they don't become problems themselves.

Credit Repair

As you slowly pay off your previous debts and make sure that current credit lines don't fall behind, you may find that your credit score is slowly starting to improve.

Though it will take time, making on-time payments to current accounts and clearing past debts will fix your poor credit… as the older negative reports begin to expire, you'll even begin to have good credit. Just make sure that you take care of your credit, and don't let it get out of control again.

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