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Chase Perfect Card

0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases

Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
Perfectly Rewarding
6% rebate on all gas purchases made at any gas station for the first 90 days.
After that, you'll earn a 3% rebate on all gas purchases.
Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
0% Introductory APR* on balance transfers
All the rebates you earn are automatically credited towards your future purchases
Worldwide acceptance
Generous credit line
Automatic Travel Accident Insurance
Purchase Protection
No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
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DID YOU KNOW?

	Credit card companies are notorious for keeping people in debt. You may not realize it but chances are like most Americans if you just pay your minimum payments, it will take anywhere between 10-25 years to get out from under your debt. Recently new banking regulations were put in place and many americans now have to pay double payments. Needless to say this is making many people struggle to keep up. Credit card companies employ creative tactics to make you think you are making progress when you are just digging yourself a deeper hole. Here is an example: If you made a payment they will lower your next payment or request no payment at all. Your interest rate keeps racking up and you ended up owing more money and making the bank all the more richer. Be wary of those great indroducory interest rates. The banks are just foaming at the mouth for you to miss one payment and then Pow! You will be paying the default rate of 29.9%. Over the limit and late fees are the banks greatest tools of making a lot of money off consumers. New bankruptcy laws are making it very difficult to start fresh and will also kill your credit for many years. To improve your credit start with the following: 1) Get a credit report 2) If there are any discrepancies disput them. 3) Payoff your credit card debt 4) You should not have more than 3 or 4 credit cards 5) Close out extra cards and get a letter stating it was done as per your request. 6) If you most of your debt is in collections join a debt settlement program. 7) If your credit cards have really high interest join a credit counseling program. 8) Don't wait: The longer you wait to take action the more money you will have to pay back.

Many people wonder if they can really afford to fulfill their dream of owning their own home, or how much of a home they could afford. They wonder what a lender will look at in deciding how much of a mortgage they can get. If this is what you are asking, here are a few things to consider:

1. First, a lender will look at how much of your monthly income before taxes is going into paying off debts. Frequently, they will use the 33/38 ratio. This sounds confusing but let me break it up simply: 33% of your income can go into housing costs (mortgage, insurance, taxes, etc) and 38% of your income can go into your regular consumer debts (loans, credit cards, car payments,etc.) Guidelines may be flexible or vary with different types of mortgages such as FHA & VA (veterans) mortgages.

2. Lenders will only count income that can be documented on paper. This is based on your gross income before taxes. One shortcut way to calculate your monthly income is to add the last two years income on your W2's and divide by 24 (for 24 months). This should give you a fairly good idea of what your monthly income is. If you are receiving 1099 income or are self-employed, you will need tax returns from two years to document what you are earning.