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Home > > Free Cash RewardsSM Platinum Visa Card from Chase

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

makes it that simple. Use the card for everyday purchases and watch your free cash add up. The more you spend, the more you get back!
  • 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

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DID YOU KNOW?

100% financing of a bad credit mortgage can help you buy a house with little cash due at closing. Even with an adverse credit score, you can start building home equity and wealth with your new home purchase. To get approved for such subprime mortgages, take a look at your credit report. Stack the odds in your favor by increasing your qualifications. And finally, search for the right lender online.

Take Stock Of Your Credit Situation

With poor credit, you can’t afford to have mistakes in your credit report. Before applying for a home loan, go over a copy of your report and make sure all your information is accurate. You can get a free copy of your report online through many sites.

If you plan to secure financing in the next few months, don’t open or close any additional accounts. Such activity will only lower your score – at least for a short time. Instead, focus on spreading your debt across accounts or eliminating it.

Plan On Cash Reserves And Low Debt Ratio

Subprime lenders look at several factors when determining a mortgage application’s status. Credit payment is important, but so are cash assets and income. These two factors can offset late payments or even a fairly recent bankruptcy.

Most lenders prefer to see at least six months of cash reserves for a no-money down mortgage. A low debt-to-income ratio is also critical.

Search For The Right Lender Online

There is a wide range of rates and fees charged for subprime home loans. The only way to find the best deal is to search for it online. Broker sites with multiple quotes are the easiest place to start.

Ask for loan estimates that include quotes on closing costs and fees for a “no money down” mortgage. This will give you a realistic picture of loan costs.

However, the problem isn’t so much about getting approved for 100% financing; it’s about getting a decent rate. Be open to all your financing options, including a down payment. Lenders are more than willing to work with your situation, regardless of your credit history.

When most people think of low risk investments, they tend to choose from the following:

· Bank deposits

· Bank savings accounts

· Money market accounts

· Fixed income bonds

· Blue chip stocks

· Mutual funds

There are however, other low risk investments to consider that, in terms of long term capital growth potential can yield far higher returns with low risk.

A high yield on an investment does not necessarily mean taking a high risk. Let’s look at the options and analyze the risk / reward:

Bank Deposits, Money Market, Fixed Income, Savings Accounts

These represent probably the lowest risk investments you can have, and their return reflects this. Your money is safe, but you are unlikely to get rich quick and your capital may not even keep pace with inflation.

Mutual Funds

The fact is that most asset management by professional advisors is poor over the longer term, and is unlikely to be above the 10% level and will probably be substantially lower.

Blue Chip Stocks

With the performance of fund managers being poor, many investors simply try to make their capital grow by picking blue chip stocks and holding them for the long term. Again, performance of this buy and long-term hold strategy normally produces poor long-term growth.

What Returns can You Expect with Low Risk Investments?

You already know you are not going to get rich quick (and neither should you expect to) but wouldn’t you like a low risk investment that produces double-digit capital growth?

Furthermore, wouldn’t you like an investment that unlike the stock market has shown better capital gains longer term with lower volatility? Well, if you are considering low risk investments consider the following:

UK Land - Low Risk and High Rewards

Land can be considered a low risk investment and remains one of the major secrets of the world’s wealthiest investors.

Donald Trump and Howard Hughes are just two investors that have made billions in this area. In fact, many of the world’s wealthiest investors have become rich from land investments.

The Facts about UK Land Growth

In the last 20 years UK average land values have increased by nearly 1,000% and growth in the last year exceeded 30%!

Now consider this is the average growth, with careful selection of land plots capital gains achieved by astute investors have been much higher.

Why You Should Invest in Land

Unlike equities, the capital growth of land investments is attractive and so is the downside risk:

· There have been no major losing periods

· Growth is consistent

· Good gains

· Low downside volatility

UK land looks set to appreciate further as the population continues to expand rapidly and house building continues at a rapid rate.

At one time land investment was just for the wealthy. Today, there are a number of companies helping smaller investors select plots of land to buy, and investments typically start at about $10,000.

Your Options with Low Risk Investments If you invest your money, you want to have a spread of different asset classes to reduce risk and increase rewards.

For most investors this means money market, bank deposits, and savings accounts, fixed income bonds for security and mutual funds and equity investments for growth.

It may be prudent for many investors to diversify some their investments in mutual funds into land and take advantage of higher growth rates and lower volatility.






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