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Elite Rewards Platinum Plus MasterCard

No Annual Fee. No Program Fee.
Earn one point for every purchase dollar
Earn Bonus Points for every dollar you spend at participating merchants

2.9% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers.*

CREDIT LINE UP TO $100,000 WITH PLATINUM PLUS® CARD.

You spoke, and we listened. We designed the new Elite Rewards® Platinum Plus® MasterCard® credit card to feature one of the most comprehensive rewards programs on the market. There has never been a better opportunity for you to go anywhere you want or get virtually anything you want with a credit card rewards program.

Here are the facts:

• No Annual Fee. No Program Fee.
  
• Earn one point for every purchase dollar in net retail purchases you spend with your new Elite Rewards® Platinum Plus® MasterCard® credit card.§
  
• Receive 500 Bonus Points after first retail purchase.§§
  
• Earn Bonus Points for every dollar you spend at participating merchants.§§§§
  
• Check your Elite Rewards points balance, view rewards, and redeem points online at www.eliterewards.com.
  

• Fly on major U.S. based airlines, no blackout dates.
  
• Enjoy hotel stays and AVIS® car rentals.
  
• Receive gift certificates/cards redeemable at top retailers and restaurants.
  

DID YOU KNOW?

	Debt is a crisis. It disturbs normal life and people suffer from all the possible intricacies in life because of debt. Debt usually happens because of inaccurate planning, over expenditure and currently, the over use of credit cards which create an unbelievable amount as balance. Many banks have come up with innumerable credit cards options which worsen the situation. Credit card debt has become an important element in most Americans life. According to the recent statistics, they owe more than half a million dollars in credit card debt. Public Interest Research Group and Consumer Federation of America analysis of Federal Reserve data shows that the average household with debt has approximately $10,000 to $12,000 in total debt and has nine credit cards. Once you have fallen prey to the attraction of credit cards, you will then find it very difficult to come out of its dark hands. It is also very tempting to ignore your balance thinking that you can pay it later. But this is not as easy as you think it is. Keeping the debt apart will increase problems and you will suffer later on with it. There are so many ways you can work on without making for credit card debt. They can be: Stop spending above your means. This is the first and easy way in avoiding credit card debt. There is always a limit in what one can afford. Credit cards are also a way to attract people in spending more than what they have. This tactic becomes a success when people fall prey on it and procrastinating things. It is only when one stops spending beyond their means they can avoid debt in the future and become stress free. Plan budget It is very necessary you plan budget well and keep track of its ups and downs. Budget should be well within your means and you need to make sure things are going in the right path and the right way. If it diverts a bit, you need to analyze where the calculation went wrong and what are the ways to avoid it happening again. If you find you have spent too much on a thing using your credit card make sure to pay off the balance the respective month itself and get rid of debt. Be strong Be strong yourself. There should not be any tempting situations were you are forced to do something which later on puts you in debt. Even if something happens so, you should be capable enough to pay back the balance in the very same month itself. You need to be very strong in your approach. Plan prior Festive seasons often make people in debt. Festivals like Christmas make people fall in to debt with over-spending on different articles which are necessary and not necessary. Prior planning will make you set your expenses and go with it. This will also make it easy and comfortable to adjust with the expenses which may strike you later. Always keep track of your charges Do not ever set your expenses loose and wait for problems to happen to you. Keeping track of your charges will make you manage things properly and adjust with expenses that strike the balance of your life later. Do not keep piling on debt If you are already in debt, then the right step is to stop piling on it, rather move to paying cash. This is the right step to take in such a situation. Keep on charging to your already piled up debt is counterproductive in a way, as it is like digging yourself deeper. Keeping yourself planned and prepared to face any circumstances is the best way to support you in debt problems. It is wise you do not make any balances on your card which makes you in stress later on in life. Therefore, it is better you lead a controlled life not tempted by outer fantasies.

There are several options to secure a home equity loan with a good interest rate and acceptable term. That is, if you have sufficient equity in your home to secure the home equity loan that you apply for. Interesting enough, if you have the collateral to secure the loan, your credit rating is not all that important. After all, the loan is secured.

The real key to finding good home equity loans is to take your time to research the various loan options available to you and to pick the loan that offers you both the best interest rate and the most agreeable loan terms for your money. Below you'll find details on the best way to compare various home owner loans so as to find a better deal.

Comparing interest rates

The very first thing you need to do in order to compare home equity loans is get several quotes for potential loans. It pays off to check with a wide variety of lenders from different backgrounds, such as traditional banks, online lenders, and finance companies.

Once you've received the quotes, you need to compare the interest rates on each home equity loan’s offer. Don’t be surprised if you find big differences. You may find that the traditional banks offer low rates in comparison to finance companies, or that online lenders offer slightly lower interest rates than some of their competition? At this point you should have a good impression of the range of interest rates, available in the market place.

Narrow the total number of loan offers down to the top 3 or 4 loan quotes; it's from these potential home equity loans that you'll be deciding on the loan offer that you finally accept.

Comparing loan terms

After you've created your short list of potential home equity loans, it's time to decide on the best loan from the list.

Begin looking at the loan terms of each one in earnest? Factors such as the total monthly payment, and the number of months that repayment is expected to last, are crucial in your decision making process. Make sure that it is permitted to make early payments, without paying a penalty.

Other factors that should influence your decision are whether or not the different loans have a fixed interest rate or whether the interest rate can fluctuate? You should also make sure to note whether fixed-rate loans retain the same rate for the entire loan term, or whether the loan rate is only introductory and reverts to a higher rate after a certain period of time has passed.

Once you've found your loan, go ahead and complete the application process so that you can move past your financial worries and fulfill your dreams.