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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?

	Finding a “no money down” mortgage loan is actually easier for someone with poor credit. Subprime lenders are more willing sign off on these deals than conventional lenders. But before you jump into a mortgage contract, make sure you understand the terms and are getting a good deal. Benefits Of A “No Money Down” Mortgage A “no money down” mortgage allows you to buy a home with little to no money due at closing. In essence, you are trading a rent payment for a mortgage payment, which makes the jump easier. However, you will pay a higher interest rate for these terms. By not paying closing costs, it makes getting out of a home much more cost efficient. For example, say you pay $6,000 at closing for your traditional mortgage. In a year, you have to move for a number of reasons. You are out that money, even with a lower interest rate. With a “no money down” loan, you wouldn’t worry about that losing that money. What “No Money Down” Means “No money down” can mean two different things when it comes to mortgages. With some lenders, “no money down” means that no down payment is required, but closing costs are. Usually closing costs will equal 3% to 6% of the loan amount, which equals a couple of thousand. Other lenders describe home loans where no money, not closing costs or down payments, is required. Instead, closing costs are included into the principal amount, usually up to 2% of the loan’s value. Locating “No Money Down” Lenders With adverse credit, you will want to shop around for a subprime lender. Online you can find hundreds of financing companies, many with competitive financing rates. If you don’t know where to start, check out a mortgage broker site. They connect to several lenders and can get you mortgage quotes in minutes. Then expand your search as you come across lenders. When you request a loan quote, be sure to select the “no money down” term. This may mean checking a box or selecting a specific loan term. Just be certain you know what “no money down” means with each lender before making a decision about a financing package.

It seems to be common knowledge today that we are living in a society overwhelmed with debt. Credit card balances are hitting all time highs and in return, people are running into more and more problems with their credit ratings. These circumstances have led to decreased credit scores which lead to increased fees for credit cards, auto insurance, and can even affect you getting a job!

A recent study has shown that nearly 70% of credit reports carry some type of error on them. 70%! Statistics like this is one factor which has resulted in the government allowing Americans the ability to receive a free credit report every year. Americans need to become more aware of what is reported on their credit reports to help decrease these errors.

One business that has begun to flood the web is “Credit Repair Companies”. There are several different websites, many of them claiming to be law firms, which will charge you numerous fees to clean your credit report for you. Typical tactics used by these credit repair companies are bombarding collection agencies with letters, asking them to remove your negative items. What consumers need to know is that these tactics, which give the credit repair company’s the nickname “Dispute mills”, are not effective in removing negative items! Typically it does nothing more then raise red flags at the collection agency’s and can even make it nearly impossible in the future for you to try to re-dispute an item on your own. Collection Agency’s will see these as what it is, a mass mailing to get negative items removed, and take it as ungrounded reasons to have items removed.

Their tactics and fees are on thing to consider but one previously unmentioned thought may be even more important, identity theft! Identity theft is one of the highest crimes in the country today. When you hire a credit repair company on the internet you may know nothing more about the company then its website address. There first step will be to charge you all kinds of fees, secondly they will want a copy of your credit report so that they can fix your negative items or errors. Now if this is a legitimate law firm or credit repair company, there may be nothing to fear, but what if their not? You just gave someone access to all your personal information including not only your credit card numbers, loan numbers, but your social security number, address and everything that legally makes you…YOU!

For those few reasons you need to understand that you do not need to hire anyone to fix your credit report. You can accomplish the same thins even the best credit repair company can accomplish, by doing it yourself! The people at creditrepairplan.com help you to learn how you can fix your credit effectively, legally and simply. They provide you with a simple step-by-step calendar to follow, sample letters to send to collection companies or creditors, and maybe even more importantly, empower the consumer by informing them of their legal rights when it comes to credit repair.

We shouldn’t become overwhelmed by the process or frustrated by the creditors games. Become informed, learn your rights and regain your credit freedom!