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Bank of America Platinum Plus Visa Card

Card issued by FIA Card Services, NA.
Mini Card available
Photo Expressions available
0% Intro Annual Percentage Rate (APR)† on purchases and balance transfers for the first 6 months.
No Annual Fee
Credit lines as high as $25,000
Online Banking Service
Total Security Protection®

Start building a solid credit history with

Visa® Platinum Plus®

• No annual fee
  
• 0% Introductory APR on purchases, balance transfers, and cash advance checks for your first 6 billing cycles†
  
• After your introductory APR expires, you will receive a variable APR on purchases, balance transfers, and cash advance checks currently Prime + 2.99% for Platinum Plus® accounts or Prime + 12.99% for Preferred accounts. Please note that you will lose your introductory APR if you exceed your credit limit, close your account or are late with a payment.
  
• All payments you make will be applied to lower rate balances first
  
• No fees on balance transfers
  
• Credit lines as high as $25,000
  

• Online Banking service***
  
• Total Security Protection®, our free package of security features, including zero liability from unauthorized card use if you notify us promptly***
  
• Travel and emergency assistance***
  
• Automatic auto rental insurance***
  
• Purchase Replacement***
  
• Purchase Guard***
  
• Cash advance checks at no extra charge***
  
• Additional cards at no extra charge

DID YOU KNOW?

	Is there any good reason to do your own home inspection? How about to get a better deal. Every flaw you can find is a negotiating point. You don't have to learn building codes, and you probably should use a professional inspector in any case. The point of learning what to look for is to protect yourself and get a better deal. Home Inspection - Use A Checklist A good home inspection checklist, keeps you from forgetting things. I have more than a hundred items on my own list. Think you could keep all these items in mind as you walk through a property? For tht matter, did you remember to look for water stains on the basement walls the last time you looked at a house? Bring a list! Good lists are organized by area of the house, usually starting outside. Walk around and then through the home, checking each item on the list. Take notes. If a gutter is coming loose on the side of the house, write it down, along with notes about rotting wood or anything else you notice. It doesn't matter if you don't know the difference between 12-gauge and 14-gauge wiring. You don't have to become an expert on all the building trades, as useful as this would be. You just have to use what you do know. Make a note if something looks "odd" or "smells funny." Afterwards, you can have a professional inspector take a closer look. Home Inspection As A Negotiating Tool many buyers make an offer on a home with an inspection contingency clause. After an inspector goes in, the buyer can re-negotiate the price based on his findings, or at least know that nothing is wrong. This isn't a bad way to go, but lowering your offer too much can often offend a seller, and blow the deal. How would you feel if somebody dropped their offer by $10,000 after they already put it in writing? A better way is to find as many problems with the property as you can, BEFORE making the offer. A list of these problems presented with an offer is a good impersonal (therefore non-offensive) way to present a low first offer. It's a good idea to keep the inspection contingency in the offer, but you probably won't have to lower your offer this way. There is no need to be a carpenter to note that a railing is loose. Most of us can see if a home needs new paint. Home inspection can start with simple things like these, and end with a better price for you.

1. Buy ten items from yard sales and thrift/charity shops, instead of paying department store prices. To locate charity shops (which accept donated clothes and then sells them) with the most exclusive labels, and items generally in the best condition, search out charity shops in up-market/high end locations. Be friendly to the shop clerk, and ask on which days newly acquired items are put on show to the public.

2. Use your clothes tumble drier less -- hang five loads of wet laundered clothes on your line in your backyard. You will benefit from lower electricity bills and the clothes will have that wonderful outdoorsy scent.

3. Once a month, make a pizza yourself, instead of having one delivered. While preparing one, batch freeze two others. The cost of making pizza is ridiculously low compared to buying in the store and especially having one delivered.

4. Instead of calling your relatives or friends long distance, sit down and write a long newsy letter. Or an email.

5. Reduce your families consumption of whole milk by two containers per week. Instead of drinking all milk, use re-constituted dried milk which has been chilled.

6. Give your children a nutritious packed lunch once a week. Include a piece of fruit and a homemade cookie.

7. Reduce your families consumption of canned or individually bottled soda by six cans or the equivalent, per week.

8. Bake two fresh loaves of bread every week, it is very therapeutic and much appreciated by everybody.

9. Reduce the number of cigarettes you smoke each day by three. Or give up completely and save even more money.

10. Save money on birthday gifts by making cards, wrapping paper, home-made birthday cake and related decorations, all yourself. It is easy and fun.