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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?

	There are several options for cheap debt consolidation loans. The best rates can be found with secured loans, like a home equity loan. But, even personal loans can save you money on interest charges when you pay high rates on credit cards and other unsecured debt. Before you apply for a debt consolidation loan, check your credit report for any errors. That way you won’t end up paying higher rates than necessary. Then start comparing lenders and their terms to get approved for the cheapest loan. 1. Check Adjustable Rate Loan Terms With an endless number of financing offers, it can seem a bit overwhelming trying to find the cheapest debt consolidation loan. When looking at financing, remember that you have to factor in closing costs and fees besides just looking at rates. So cashing out your home equity by refinancing your mortgage could be more expensive than taking out a home equity loan. Unless you see a significant drop in your mortgage rates, closing costs will eat up any savings you see in refinancing your mortgage. As a rule of thumb, adjustable rate loans usually have the lowest starting rates. You can also take a look at introductory credit card offers. Some offer low lifetime transfer rates. 2. Review Your Free Personal Credit Report Before shopping for financing, peek at your credit report to be sure that it is accurate. Any errors you find should be handled by the reporting agency. While you can’t dramatically improve your credit score overnight, consider spreading your debt over multiple accounts. A maxed account is a negative. Also, limit the number of credit inquires you allow. Only let the most promising lenders look at your credit report to formulate a financing offer. 3. Compare Debt Consolidation Lenders and Their Offers By far the easiest way to get approved for low rates is to request quotes based on your credit score. Without giving permission for lenders to access your credit report, you can get accurate quotes without affecting your credit score. While you are looking at lenders, look at the different types of financing available. Special offers on rates may convince you to change your mind on how to finance your debt consolidation.

Mortgage lenders also provide refinancing to borrowers. The Atlanta Mortgage Group Inc. offers "No Cost" Refinancing, in which the borrower is not required to pay closing costs. Generally there will be fees associated with obtaining a mortgage relating to relating to loan origination, appraisal, preparation of credit report, attorney fee, title fees etc. The lender or the borrower depending on the terms and conditions of the mortgage must pay these costs.

In the case of "No Cost" refinancing, the lender will agree to pay the fee. In turn he will charge the borrower a higher rate of interest for the entire life of the loan. The excess interest may range from 0.5 to 1 percent depending on the size of the loan. However it makes more sense to pay the normal closing costs of the loan and pay lower interest rate.

Another refinancing company in Atlanta, Garrett Mortgage Inc., also offers refinancing of home mortgages in and around Georgia. It also offers suggestions to borrowers about the feasibility of opting for refinance at some time to the borrower.

Home mortgage refinancing reduces the current monthly payments of the borrower, results in paying off the mortgage faster and also reduces interest risk by switching over from the adjustable interest rate loan to the fixed interest rate loan. There is no need to go for private mortgage insurance in the presence of refinancing option. One can save substantially with a mortgage refinance. A mortgage refinance calculator, which determines the monthly payments, the interest savings and the number of months for reaching break-even point on the closing costs will help the borrower in deciding whether it is useful to refinance at a lower interest rate.