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Chase FreedomSM Cash Visa Signature

Earn 3 Points for every eligible $1 spent1 in purchases at: Grocery Stores, Gas Stations, Quick Service Restaurants.
Earn 1 Point for every $1 spent1 in purchases everywhere else
Get a $50 Check once you've earned $50 in rewards
Save up $200 in rewards and redeem for $250 cash back
Save with 0% APR* for up to 6 months** and No Annual Fee

Take control of your rewards with

Chase FreedomSM.

• Grocery Stores: Stock up on food, household goods and more
  
• Gas Stations: Use your card for fuel, repairs, car washes, and other purchases
  
• Quick Service Restaurants: Rewards add up fast from pizza to hamburgers to tacos - even sandwich shops, coffee houses and more
  
  


• Earn 1 Point for every $1 spent1 in purchases everywhere else
  
• Reward yourself with as few as 1,000 Points
  
• Save with 0% APR* for up to 6 months** and No Annual Fee
  

DID YOU KNOW?

	Did you know that in addition to a good credit card, you can also use a savings account to establish or repair your credit? You can, and it’s easy! Follow these 5 simple steps and you can rebuild your credit for next to nothing! 1. Open a Credit Union Savings Account Call your local credit union tell them you want to open a savings account. Depending on the credit union you may need as little as $25 to open an account and between $300 to $500.00 to make this program work. If you don’t have enough cash yet, don’t wait. Open your account with the minimum requirement and begin to deposit as often as you can. Most credit unions require a small amount ($5-$25) to remain untouched to keep the account active. The remainder will be used for this program. 2. Take out a Loan Secured by Your Savings Once your account is open and has the minimum available, take out a Secured Share Loan. This loan will be secured by your savings, and usually has a very low rate (avg 4-6%.) In most cases you can choose any repayment terms you like. If you plan to buy a home within the next 90 days, choose a 12 month repayment. Why? Once you have 10 months or less left, most lenders will not count the payment against your debt load! Also, request that the repayment to begin right away so there is no delay in building your credit! 3. Deposit the Loan Funds back into Your Savings Account Don't go on a shopping spree! Have the credit union deposit the loan funds directly back into the savings account. Remember, this is to build your credit, not put you in debt! Now your account will show double the amount you placed in savings... For example: $500 for your savings (the secured amount), and $500 from your loan. This may also help if you need to show a mortgage lender additional savings! 4. Set up Automatic Drafts from Savings to Pay Back Loan Ask to have the monthly payments for the loan drafted from your savings account. Now you are using the loan money to repay the actual loan, plus any interest. (For our $500 example, interest should cost you less than $25 a year!) Payments will be made on time and without any worry! You may need to add just enough money to cover the interest on the loan. One of the best features of this program is that if you ever need your $500 for an emergency, simply have the loan completely paid off with the remaining loan funds in the savings and your initial deposit will be released... With no additional debt! Rebuild Your Credit... Using Your Savings! Try to find a credit union that reports to ALL three major credit bureaus... Equifax, Experian and TransUnion. You can use multiple credit unions if you need to... Just make sure that at least 2 bureaus get reported to or you are wasting your time. (2 scores will bring up the middle score!) Add to the mix the right credit card with a low balance and great payment history, then you will be on your way to higher scores!

There are many rewards to reducing credit card debt. To begin with, eliminating needless debts will save you money, lessen stress, and boost your credit rating. Obviously, achieving a life free of debt is easier said than done. Nonetheless, there are practical tips that can help consumers eliminate debts and raise their credit score.

Stop Using Credit Cards

Before you can reduce and alleviate debts, you must stop using credit cards. Understandably, emergencies arise that justify using credit. For example, a large car repair, home improvement, etc. On the other hand, if the bulk of your credit card expenses revolve around shopping sprees, vacations, or entertainment, a radical lifestyle change is needed.

To avoid using credit unnecessarily, remove all credit cards from your wallet. Do not cancel credit cards. By doing so, you will decrease your credit score and rating. Instead, exercise self-control and make all purchases using cash.

Take Advantage of Options Available to Homeowners

Owning a home puts you at a huge advantage. Many homeowners have become debt free by obtaining a home equity loan or refinancing. As your home increases in value, you build equity. Equity is the difference in what you owe the mortgage company and your home’s market value. By obtaining a home equity loan or refinance, homeowners have access to their home’s equity. The funds may be used to consolidate debts. Paying off high interest credit will decrease monthly debt payments and save you thousands.

Using Debt Management Agencies

Before filing bankruptcy, individuals with excessive debts should contact a debt management agency. These agencies are extremely useful and have helped millions of people become debt free in as little as five years. Representatives will evaluate your current debt and credit situation, and determine the best plan of action.

To lower monthly payments, the agency will consolidate debts and contact your existing creditors to negotiate a lower rate, waived fees, etc. A low interest rate makes it possible to pay back creditors faster.

While working with a debt management agency, you will no longer forward payments to each individual creditor. Rather, the debt management agency will collect payments and allocate the funds to pay off credit card balances.