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Home > > Chase Perfect Card
Chase Perfect Card
0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases
Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
Perfectly Rewarding
6% rebate on all gas purchases made at any gas station for the first 90 days.
After that, you'll earn a 3% rebate on all gas purchases.
Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
0% Introductory APR* on balance transfers
All the rebates you earn are automatically credited towards your future purchases
Worldwide acceptance
Generous credit line
Automatic Travel Accident Insurance
Purchase Protection
No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
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DID YOU KNOW?
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| You never thought that your home can be worth anything except for living purposes. Yes, a real estate broker would have offered a large sum on this house. But you never planned to sell the house because of an emotional attachment with it.
One of the prime customer bases for home equity loan crops from this kind of people. These are people who have been living in the house for years, or it might be their first home. Having seen the joys and sorrows in the home together slowly converted the house from a brick and mortar structure to ones prized home.
You get the necessary cash through the sale of house. But, you lose your home for ever. If you are looking for a middle path whereby you can evade losing on your home and get the cash at the same time, then you would surely like the deal offered by home equity loans. Under a home equity loan, the loan provider agrees to lend to the borrower against his home. This amount will be returned with a certain interest after a certain time period.
This arrangement suits the residents of the UK the most. Every month the borrower makes a small payment towards the amortisation of the amount lent. It is the borrower who decides the monthly repayments. The logic behind this discretion lies in the inequality in the income levels of borrowers. While a monthly repayment of ₤1000 will suit some borrowers, other may not be able to make such high payments through their monthly salary, which has to pay off the other routine expenses too.
How does the loan provider ensure that he will safely receive the amount at the end of the term of home equity loan? It is by retaining the property papers with him. A borrower will not be able to sell home in the absence of the property papers. With the property papers in their possession, the loan provider is the legal owner of the house.
But, the loan provider does not exercise this right according to an agreement with the borrower. The agreement is for the return of home equity loan at the end of a stated term with an interest calculated according to a certain rate of interest.
During the period of the loan, it is not the home but the equity inherent in it that is being consumed. This explains the reason why the borrower of home equity loan continues living in the house even after pledging it. Home equity loans get the name from the equity consumption in the process. Equity is the value that one gets on selling home. For the calculations of equity, the valuer will undertake a survey to check the amount that will be received on selling it. Deductions for the mortgages already held against home will be made to get an exact figure for home equity.
It is a percentage of the home equity that is convertible into cash. The percentage hovers around 80-125% for borrowers with a good credit history. The borrowers who do not have as good a credit history and have undergone bankruptcy any time in the past years are sure to get a much lower equity conversion rate. When changed into currency, the equity in home will fetch anywhere between ₤5000- ₤500000.
Home equity loan is a secured loan. All secured loans are cheaper in terms of the rate of interest. Those secured loans, where home guarantees repayment are the cheapest. Sometimes, borrowers can hope to get an APR equivalent to that of mortgage. Some borrowers never relax on the APR front. Their worst fears are of the times when interest rates would rise unexpectedly. Rate locks on home equity loans have been especially designed for this kind of borrowers. A rate lock stabilises the APR at a particular level. However, borrowers who do not want to lose on the further fall in interest rate would continue using the variable rate method.
Is the equity in home completely consumed in the process? This is the question that most people ask while drawing home equity loans. Equity is only consumed temporarily. As the borrower makes repayments towards the home equity loan, equity in home gets replenished - readying the home for a new home equity loan.
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Yes, that's right, it's that time of year nobody loves - tax time! No, this is not too early to think about it, especially if you have money coming to you.
All right, so it's not fun to think about doing your taxes. But there is a distinct advantage to getting an early start - it's a reminder to be more organized in this regard in the year to come. Make this as pleasant as possible next year.
Now, if you and your spouse each have jobs rather than businesses, your employer has handled the bulk of the paperwork as far as paying taxes goes. You just have to know what your deductions are. If you're only taking the standard deduction, you may be paying too much, sometimes quite significantly. If you aren't sure what all you can take a deduction on, consult your accountant, or, if you do your own taxes, go to http://www.turbotax.com/ and see what they suggest. You may get a pleasant surprise. They links to tax tips right on their front page.
Of course, if you have a home business, you have more paperwork and more deductions to consider. This is why many home businesses prefer to use an accountant. It saves a lot of worry and can be worth the expense. You can deduct in many cases for your home office, business supplies and more. Consult with a tax professional, and be sure you have receipts for everything in case you are unlucky enough to be audited. I am not a tax professional, so I really cannot give you better advice than that.
Now, if you've done your taxes and find out you're getting a big refund, it's time to celebrate, right? Not really. If you're getting a big refund, that means you gave the government an interest-free loan. You need the money more than they do, right? If you are overpaying to avoid underpaying (and who likes paying more at tax time?), put the excess you were thinking about paying into some kind of savings account. Even a plain savings account in a bank pays more than nothing, and you're still getting the advantage of money saved up. This is far harder to do, of course, since the money is nicely within reach, but it's a good practice in general to have some money you rarely touch anyhow.
Getting your taxes under control now can save you a great deal of trouble next year and in future years. Build good filing habits so that if you are ever audited you can easily justify your deductions. And finally, consult with a tax professional to get the most out of your tax return.
Copyright 2007, Credit Devil. All rights reserved!
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