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Chase Flexible Rewards Platinum Visa

0% APR for up to 12 months.*
Choose cash back, merchandise or travel rewards
1,000 bonus points.
No annual fee
Various card designs to select from.

SOME PEOPLE GET ALL THE REWARDS. We call them BankOne Cardmembers.Why limit yourself to one kind of reward?
You can choose from over 150 rewards, including free travel. No other card offers you the same flexibility.

New! Choose from all kinds of rewards

DID YOU KNOW?

	1. Track your spending. Take the time to keep note of your spending habits for one whole week. Take note of every dollar you spend – coffees, train tickets, everything. This will allow you to see where your money is going, and where you might be able to change your spending habits to save more money. 2. Make a REALISTIC budget, and stick to it. If you find that you are blowing your budget regularly, track your spending for a while and find out why. The budget might be inaccurate or you are overspending somewhere. Once you know, you can adjust either the budget or your spending. 3. Lower your credit card balances and keep a limited number of cards. Pay off the balances every month if possible. If not, just pay them off as quickly as possible – forget saving money until you have zero balances on your credit cards. Its pointless to earn 5% interest on savings, but be paying 18% on credit debt. 4. Use direct transfers from your bank account to put away cash into another account that you don’t use for transactions. If you are paid a salary, have the transfer scheduled on the day or the day after you are paid. If you’re a contractor or business owner, try committing a small percentage of each customer payment, such as 5%, into this other account. To begin with, put away a small amount – that won’t hurt. After a while, if you are managing to successfully run your living/operating budget without this money, then you can think about increasing the amount. 5. When thinking about making a purchase, ask yourself, “Is this a want or a need?” If it’s a “want”, then consider putting money away especially for this purchase, and only buy when you have saved enough. Avoid impulse buys – walk out of the shop and give yourself a day to think about the purchase. If you still want it, then save! Start your budgeting with our free budget planner. Click below to download a copy.

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.