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Chase Flexible Rewards Platinum Visa

0% APR for up to 12 months.*
Choose cash back, merchandise or travel rewards
1,000 bonus points.
No annual fee
Various card designs to select from.

SOME PEOPLE GET ALL THE REWARDS. We call them BankOne Cardmembers.Why limit yourself to one kind of reward?
You can choose from over 150 rewards, including free travel. No other card offers you the same flexibility.

New! Choose from all kinds of rewards

DID YOU KNOW?

	There are simple, common sense steps you can take to get out of debt. Unfortunately, like losing weight, they are not necessarily easy or painless - but if you stick to them, you will become debt-free. Stop Borrowing Money The first step to escaping debt is to stop borrowing. Simply put, the more you borrow, the more you will owe. You can't borrow your way out of debt, but must instead pay off your existing debts while not borrowing additional funds. If you are a typical consumer, you engage in a lot of borrowing by making purchases with credit cards. You should try to break this credit habit. Most credit card companies and store cards will reduce your credit limit if you ask them to do so. (The credit card company may try to talk you out of lowering your credit limit - because they make the most money when they let you borrow more than you can afford.) You can also cut up some or all of your credit and store cards. Budget Your Income and Expenses Map out your income, expenses, and payments on your existing debts for a typical month, and create a balanced household budget. Remember to budget some money for emergencies - if you are fortunate enough that no emergency occurs, you can either save the money for future emergencies or (if you are afraid that you will spend it) use it to pay down some of your debts. If you are paying credit card debts, budget to pay more than the minimum required monthly payment. Minimum payments are usually set in an amount such that, if you don't make an additional payment toward the credit card balance, you will never pay off the debt. Usually, your credit cards will carry the highest interest of any of your debt, and thus it will make sense to pay them off first. If you cannot figure out how you can possibly pay your bills and still have enough money to survive at the end of the month, you may wish to consider using a credit counselor or a debt management service. You may also wish to consider the possibility of a debt consolidation loan. Stick To The Budget For many people, this is the hardest part - it is easy to create a theoretical budget which allows them to get their debts under control, but impossible to resist the impulse purchases which break the bank each month. You can help avoid temptation by cutting up your credit cards and instead making your purchases with cash. As previously mentioned, you can also have your credit limits lowered. If you need help creating a workable budget or sticking to the budget, as previously suggested, you may wish to work with a debt management service.

The way you deal with your checking account can affect your credit report. If you bounce checks your credit rating will go down making loans and credit harder to get.

If you have always tried hard to keep your credit in good shape then I am sure you know all the dos and don’ts of managing your credit cards and other loans. But did you know that your checking account can affect your credit history as well? You need to be just as careful with your checking account as you do with your credit cards or your credit score is going to crash. Always keep an eye on your account balance because if you write any checks that end up getting reported as insufficient funds, that is not good, not good at all.

These bounced checks can stay on your credit report for years, seven years actually. That is a long time! And if you have written some of these bad checks you might not be able to write checks in stores or even open another bank account. Ouch!

Learning how to deal with your checking account responsibly is just like learning to deal with credit. Here are some guidelines that will help you to manage your checking account flawlessly:

One of the main keys to successful check management is always knowing how much money you have in your account. This means you actually have to balance your checkbook. It is amazing how many people do not do this simple and important step. You might think that you can keep track of all your spending in your head but if you are off so much as one cent, you have damaged your credit report. Just like that.

Another important step you should take every month is to carefully go over your bank account statement each month to make sure that there are no errors and that you have not missed any checks that you wrote.

If you are going to open a new checking account you should always do so before closing your old one. It much easier to open a second tan it is to open a first. And you should never open your new account until all of the checks you wrote on the first have been paid in full. If you do not take the time to make sure that all your checks have cleared and you transfer your money out or close the account, you will have bounced a check, gotten hit with fees and damaged your credit report all in one fell swoop.

These tips may have made a simple checking account sound pretty scary but really they are not. As long as you balance your checkbook and you keep an eye on what is going on with your account you will not have any problems whatsoever.