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Clear from American Express

0.00% intro APR for up to 12 months.
5.99% fixed APR on balance transfers.
Automatic Rewards.
Flexibility to pay over time.
User-friendly credit report and score.
American Express World-Class Customer Service.
Earn automatic rewards faster with fee-free Additional Cards

CARD FEATURES
Automatic Rewards
When you spend $2,500, you get an American Express® branded shopping card worth $25.I Complimentary credit report (with credit score) every 12 months

Clear from American Express®

• Pay over time or pay in full.
  
• Grace Period for purchases is 28-31 days, if the previous balance shown on each billing statement is paid in full by each respective due date.
  

• Emergency Card ReplacementVII: Receive a new Card if yours has been lost or stolen in as little as 24 hours.
  
• Global Assist® HotlineVIII: Whenever you travel more than 100 miles from home, we'll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more.
  

• Access your account online 24/7: Pay your bill or view up-to-date billing information, including transactions, charges, and payments.
  
• Online Year-End Summary: Organize your expenses in a snap - download and print the Summary; sort charges by date, merchant name, amount or category, such as Travel and Restaurant.IX
  

DID YOU KNOW?

	The lower your interest rate on your refinance mortgage, the more money you will save. But not all refinance loans are created equal. To get the lowest interest rates, follow these three tips when applying for you refinancing. 1. Refinance Your Entire Mortgage Refinancing your entire mortgage will help you to qualify for the lowest rates. Having split mortgages or a home equity line of credit elevates your risk level and rates. However, if you have a really good rate on one mortgage, then you may not want to combine those mortgages. Take the time to request quotes for both loan situations. Within minutes, you can get an answer from lenders and know which is your best option. 2. Don’t Cash Out Your Equity Cashing out part or all of your home’s equity will also raise your refinance rates. So keep that equity in place while you apply for refinancing. It acts much like a down payment did for your original home loan. The larger your equity, the better your rates. If you want to tap into your equity, consider applying for a separate loan after you refinance, like a home equity line of credit. That way you won’t be paying a higher rate on your entire principal. 3. Lower Your Rate With Points As with your first mortgage, you can lower your rates by buying points. This is a bit risky in that you have to keep your loan for seven years usually to recoup the cost. To make sure this is your best choice, compare lending offers. Calculate the cost of points and your potential savings. In addition to these tips, comparison shopping will also help you get a lower interest rate. Each lender looks at refinancing applications differently, so with careful searching, you can get a better deal. Start by requesting a loan quote, then compare numbers, both interest and closing costs. Just remember that the lowest interest rate will not always be the cheapest loan. Factor in the cost of fees to be sure you will come out on top, especially if you plan to sell or refinance in a couple of years.

For most of us getting into a situation where your debt is out of control is an easy thing to do. Obtaining credit cards and other high interest lines of credit is commonplace and once you have them it is easy to put your purchases on them. Since you don't have to pay right away you feel like you can afford it, but in reality the interest is piling up each month. One method you can use to get the help you need is a government debt consolidation loan.

The U.S. government has come up with certain loans for people that are struggling under the weight of a heavy financial burden. As with any consolidation loan you can easily move all of your outstanding balances under one umbrella which has several key advantages. The biggest advantage is you will be paying much less interest each month. You will have only one interest to pay instead of several from your other balances, and with a government debt loan the interest rate will be much lower. This means that for each dollar you put towards your payment you will be reducing your outstanding debts by a larger margin, and thus your balance will decrease faster.

Now that you know what type of help is out there, where can you find it?

The best place to find these is to go directly to the source, meaning finding the right government agency. One of the drawbacks to this approach is it can be confusing wading through alot of documentation, trying to find the right contact or form for your specific situation. Once you find the number you can call the government agency and they will provide you the direction you need.

You can also look around on the internet as some websites are geared specifically towards guiding financially strapped individuals towards the right debt consolidation programs that are currently being offered. While this will save you time since they do the leg work for you there usually is a fee associated with it. You can, however, find non-profit businesses for the guidance you need.

Once you start down the path to financial freedom through consolidating your outstanding loans, the government agency will give you advice on how to stay debt free. It is important to follow their advice to avoid a recurring problem. They will tell you how to budget your income for paying your bills ontime, how to not charge future purchases unless they are absolutely necessary (emergencies), and how to increase your credit rating through sound decisions.

You don't need to have your life taken over by your financial situation. There is help out there for you through government programs. It won't be easy to get back on track but the hard work will be worth it.