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Free Cash RewardsSM Platinum Visa Card from Chase

1,000 Bonus Points**
Earn 1 point for every $1 in card purchases and interest.
No Annual Fee
Intro 0% Fixed APR for up to 6 months*

IT'S SIMPLE. GET FREE CASH!
Free Cash Rewards Platinum Visa® Card
Get the reward that everyone can use: free cash.

The Free Cash Rewards Platinum Visa® Card

• 1,000 Bonus Points**
  
• Earn 1 point for every $1 in card purchases and interest.
  
  
• Accrue 2500 points and receive a $25 check or a $25 gift certificate from many leading national merchants.
  
  
• Your statement shows your points total, making it easy to see how much you've earned.
  
  
• No Annual Fee
  
  
• Intro 0% Fixed APR for up to 6 months*
  
  
• Visa Platinum Benefits
  

DID YOU KNOW?

	With gas prices higher than a year ago and most likely not going down, and people’s schedules being busier than ever it is easy to see why on-line shopping is growing in popularity. Virtual Malls, or on-line shopping malls, offer you the same products as you get in the store, and in some cases even more than that same local store would carry. If they are out of stock you can place your order and they will ship it when it comes in or you can go to the next store and see if they have it. You aren’t wasting time and gas on driving from store to store or making a second trip back only to find out they didn’t come in or sold out again. There are some issues that prevent people from shopping on-line, such as age/generation. Some older people just don’t trust the system, which is understandable. Another issue is security. There is a concern about credit card information being stolen over the internet which puts you at risk for Identity Theft. This is a very reasonable concern to have but shopping in the stores does not eliminate this risk, in fact it may even increase the risk. If you use the credit card at the store it is still transmitted to the bank in a similar manner. Not only that but you have the cashier who can take your numbers from a copy of the receipt. There is usually a person in the cash office counting the money and receipts, so there is another exposure. Another reason to not shop on-line is the possibility of shipping costs. While most retailers offer free shipping on some items, if not all, the shipping costs are no different than gas money doing the driving yourself. It may not seem the same because you are putting gas in your car anyway but think of how much more you may use if you need to drive any distance at all to get to the mall. There are always going to be the people out there that are trying to save money and they think they can do it better on their own. You know the kind of person I am talking about, the person that will drive 10 miles out of his way to go to the cheaper gas station only to save $.02 a gallon. What that person doesn’t realize is if he is charged shipping for an on-line purchase it will be offset by the lack of sales tax as most retailers don’t charge sales tax on-line. I am of the firm belief that your time is valuable. If you spend 4 hours, between commuting time and shopping time, at the mall and you could have gotten everything done in 2 hours on the internet, in the comfort of your own home, you are making out much better on-line. You also have the option of getting a better price on-line because there are 100 stores at the click of a button waiting to earn your sale. At the mall you get one or two stores selling the same product so your options are limited. If someone really wants to steal you credit card information they will find a way to do it, either by robbing you, breaking into your house, stealing your mail from the mailbox, or at the local store. Do not let that be the reason you go to the store. The next time you have to do some shopping, and you have never tried the internet, give it a shot. I think you will convert once you see how easy it is.

Saving money when financing a new or used vehicle isn’t just a matter of finding low rates. Pre-approved loans with a large down payment can also save you some serious cash. The time to find vehicle financing is before start car shopping though. Walking in with a blank check will give you more leverage during price negotiations.

1. Finding A Good Lender

Finding a good lender can help you save money on both rates and fees. Start by looking for a lender online, not connected with a specific dealer. Often financing offered by a dealership has a higher markup.

Broker sites let you collect quotes from several different financing companies from across the nation. Looking at the APR, you will be able to find the loan with the lowest overall cost. This is the best approach for those who don’t plan on refinancing.

If you are planning to refinance your car loan, you may find that a higher rate loan with low or no fees is your better deal. You will also want to ask about any early payment fees.

2. Get Pre-Approved Before Shopping

Getting pre-approved for your car loan will help you save money on a couple of fronts. First of all, you have time to find a low rate loan. You can also select terms for lower rates. For example, buying a new car from a dealership will qualify you for lower rates than a used car purchase.

You also can trim off dollars on the price of your vehicle through your negotiations. A pre-approved loan looks like cash to salespeople, so they are more willing to work with you on the vehicle’s price or options.

3. Start With A Large Down Payment

A large down payment of 20% or more will save you money in a couple of ways. First, you will save big on interest charges. Over the course of your auto loan, this will add up to hundreds. Down payments can also qualify you for lower rates.

Don’t forget to also look at your budget needs. You can look at differences in monthly payment costs to see what financing is your best fit.