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Choosemyrewards: The New Chase Credit Card Rewards Management Tool
in preious articles, i have discussed travel, cashback, interest-savings, and merchandise rewards programs. these rewards specific cards are geared towards people who are grounded in which type of rewards they would like to earn.
for those who are indecisive or those having different rewards interests at different times of the year, should take an interest in the chase choosemyrewards program. there are two different flagship cards involved in this program, the chase cash plus rewards visa and the chase flexible rewards visa. both cards offer 0% aprs for 1 year, and low aprs thereafter. statistics show however, that the approval rate for the chase cash plus rewards visa is higher.
lets take a minute to explain the choosemyrewards program. like any other rewards program, there is a point system for both cards. you receive one point for every dollar spent on purchases with each card. when these points are accumulated, you then have the option of redeeming them for a variety of goods or cash. here is what distinguishes these two cards from all other programs. at any time, you may login to the choosemyrewards page on the chase server to elect which type of rewards you would like to receive. choices include merchandise, restaurant gift certificates, retail gift certificates, travel rewards, and with the chase cash plus rewards visa up to 5% cashback on purchases.
many other rewards programs make it very difficult for the consumer to redeem rewards, let alone choose them. typically, you would have to call up the company, wait on hold to get in touch with the proper customer service representitive, and then listen to them give you your list of options before ultimately processing your decision. with the choosemyrewards program this is not the case. in the mail with your new chase card, you will receive a login pin number and the web address where you may access your rewards account. after entering your pin number, you may view your points accrued and a list of all rewards options. you may then scroll through the list of options and choose the rewards you would like to receive.
it only gets better. lets say you logout of your account after you choose your rewards and realize that maybe you didnt really want that gift certificate to home depot that you signed up for. instead youd like a gift certificate to your favorite restaurant. all you have to do is simply log back in and switch your reward redemption. this is a very simple and painless process and gives you, the consumer much more control.
many people save their points until the end of the year, because they never expire, and redeem their points to give gift certificates as holiday presents. others take a trip to a warm place during the winter. others just simply trump in on a cashback award in the form of a check. whatever your interest are, or if they change, enrolling in the choosemyrewards program will make your rewards management more user-friendly and thus, much easier.
russ nauta is the senior writer and consumer credit information investigator for credit card outlet, a leading online credit card information portal since 2004
credit card outlet features instant approval credit cards, rewards cards, balance transfer cards and low apr cards from major issuing banks.
credit card outlet also features instant chase offers.
this article may be reprinted with a published link back to http://www.freeroller.net/messageboard/mbs.cgi/mb116885.
article source: http://ezinearticles.com/?expert=russ_nauta
Instant Approval Bad Credit Credit Cards - 3 Ways to Improve Credit Rating
have bad credit? bankruptcy? if so, you can get approved for a credit card. although having bad credit may make is impossible to obtain super low rates when financing merchandise, you have the power to change your credit situation. there are various ways to improve credit. furthermore, if you are having a difficult time establishing credit, bad credit credit cards can put you on the right path.
what are bad credit credit cards?
bad credit credit cards are designed for people who are unable to qualify for a regular credit card. there are many reasons why a person is denied for a credit card. possessing a credit card is very useful. however, if you have no credit history, and you are hoping to establish credit, many credit card companies place you in the same category as a person with bad credit. why? if you have no credit history, lenders cannot judge creditworthiness.
there are two types of bad credit credit cards. secured credit cards ask applicants to submit an application with a down payment. with an unsecured credit card, a down payment is not required. however, these credit cards carry a high interest rate, and steep penalties for late and missed payments.
use bad credit credit cards to your advantage
if obtaining a bad credit credit card to boost your credit rating, use the credit card wisely. maintaining good credit is not hard. however, you must be disciplined and make smart credit decisions.
for starters, maintain low balances. resist the urge to spend money frivolously. credit cards are not free money. set a spending limit and do not exceed this limit. if possible, pay off the balance each month. this way, you avoid accumulating unnecessary debts.
additionally, submit credit card payments on time. aside from late fees, skipped or missed payments justify an interest rate increase. furthermore, irregular payments will greatly reduce your credit score. also, if you do not maintain a good payment history, the credit card company may decrease your credit limit
once you have established a good history with your current credit card company, you will qualify for better credit card offers in the future. however, avoid too many credit inquiries. applying for several lines of credit will lower your credit score. within a twelve month period, limit credit inquires to one or two.
view our recommended credit card companies online.
article source: http://ezinearticles.com/?expert=carrie_reeder
Financing a New Business with Credit Cards
small business owners, or prospective small business owners have limited sources of financing when they first start out. bank lenders have such stringent lending criteria that they often will not lend the amount needed by the entrepreneur to fund their startup. even corporate finance companies will hesitate to loan money to start-ups as the risk for failure is high and the new company has no tangible assets that a loan can be secured against.
one of the easiest sources of financing a new business is credit cards. there are many stories of entrepreneurs who have funded their start-ups on credit cards. the credit cards are easy to get (applications are frequently sent in the mail) and plentiful through a number of different financial institutions. and frequent spending on these cards will even cause the credit card companies to increase the spending limits on their cards!
of course, credit cards are a very dangerous financing tool if spending gets out of control and the holder cannot pay his or her debts off in a timely manner. new credit cards offers usually carry a low introductory rate, but 6 months later a much higher rate of interest can kick it making the borrowed money extremely expensive.
regardless of this danger however, there have been numerous entrepreneurs who have started out their small businesses financing operations with their credit cards. most of these people would then switch to more conventional financing options (ie banks) once they had a proven cash flow. but in the start-up phase, credit cards can prove to be an instrumental option for financing a new business when other sources of money are very tight.
ken and deidre bissonette are successful authors and publishers of small business entrepreneur information. for more information http://www.freeroller.net/messageboard/mbs.cgi/mb86923
article source: http://ezinearticles.com/?expert=ken_bissonette
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