Chase Credit Card Application Status

By Louis Soul

In todays world, there's no doubt about how important to people the credit card has become over recent years. Providing you can manage your debts; is there anything wrong with using your credit card to have what you want right now.

One of the most popular brand names of credit cards in the market today is the Chase credit card. Accepted around the world, the Chase credit card is similar to many others. Aside from Chase credit card, the company also offers travel cards, Auto & Gas cards and student cards.

So there are a number of reasons to have a Chase credit card all of which will be of great benefit to the user over time. Probably the most used feature is its online capabilities used by workers and other people that have little time to go out shopping. Using the web site, secure of course means that managing your finances is only a few mouse clicks away.

At chase, they want to make managing your finances fast an easy and that is why they have so many happy customers. Chase credit cards also offer many deals and promotions like lower introductory APR's and waived membership fees that allow the holder to save more money.

Some purchases you make with your Chase credit card will add points to your card account that can be used at any time. The card can be as individual as your lifestyle so if you are a travel enthusiast then there is a credit card that can give you travel miles. Once you have accumulated enough points you can cash them in as it were, for anything that is shown in the catalogue.

Chase credit cards know that if they look after their customers they won't lose them; a philosophy that many companies could learn from. Well all like our gifts but knowing that no matter where you are or what you are doing there is someone to talk to if you need them can often mean much more than material goods. You will really appreciate this if you are abroad and your card is lost or stolen because a new card will need to be sent to you as soon as possible.

If you are thinking about transferring your balance then this is the way to do it with a guaranteed six month zero percent interest rate which also incorporates current purchase balances as well. Unlike some other well known credit cards that charge you interest even when you pay it off completely, Chase credit card ensures this does not happen. Certain purchases will also qualify the card holder to apply for a cash reward alternative. Apart from these, chase credit card has no balance transfer fee for balances transferred during the introductory period and you have the privilege to apply online over a secure server.

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Is A Poor Credit Mastercard Getting You Down?

By Peter Blair

Even in these hard times there are a huge number of credit cards flooding the marketplace and even if you have a poor credit rating, the likelihood is you may still be eligible for a small number of them. However, people who are in a poor credit predicament will discover that Mastercard and Visa are the two companies most likely to agree to supplying a credit card. The question is really, what guarantees a poor credit Mastercard a better choice to select before Visa?

Even though there was often thought to be a difference, ordinarily in favor of Visa, because of the number of outlets it was recognised in, these days there is no longer this difference. Nonetheless, in the present day you will probably see that it is actually Mastercard that's established and received in a larger number of places.

The chances are the benefits of both will be very much in-line with many other cards, they will in all likelihood learn that the interest rate levied by the two parties will be a little higher than what it would ordinarily be. However, providing the person supplied with a Mastercard uses it in a reliable way, and pays the balance on time, they will begin to see an improvement in their credit history. Conducting your affairs this way means you should also see a lower interest rate you would normally pay once the credit has been cleaned up.

You would be wise, especially if you have acquired a poor credit rating and are trying to obtain a credit card, to study the terms and conditions prior to signing on the dotted line. The Internet is by far the quickest and simplest method to discover more about what is available to a person in your situation. Those with a bad credit score can see without any fuss which credit card companies will issue a Mastercard to a person in this predicament.

Because there is more than one that you may be entitled to apply for it is to your advantage that you are conscious of exactly what benefits they offer so this would be a good point to assess them:

1. Continental Finance Gold MasterCard

If you choose this card you can be reassured that the means in which you utilise it will be reported to the big three credit reporting organisations which may help you rebuild your credit rating progressively each and every month. Quite often a credit company will choose to increase the amount available to spend on the card if they see the person it has been supplied to is acting responsibly and making their payments regularly.

2. Orchard Bank Platinum MasterCard

Quite often, credit card companies will require an up-front payment before supplying the card which can be awkward for numerous individuals but that is not the situation with this card and in spite of this they still offer security on all the goods it is used to buy. This credit card, just like the Continental Finance Gold Mastercard, details account usage frequently to the primary credit bureaus which can quickly amend your rating. However, this particular card has two other benefits over the others: firstly it levies a lower yearly fee against similar cards and secondly, the annual percentage rate is amazingly competitive considering the circumstances under which it is issued.

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See us at Apply For Mastercard.

Local vs National Commercial Collection Agency.

By JR Rooney

Whether you choose a commercial collection agency based in your company's town or your debtor's town depends on how many different collection accounts you deal with monthly.

If you are dealing with only one late-paying company, hire a commercial collection agency that's in the debtor company's area. The local agency may have dealt with the debtor company before and know the company's finances and the best way to collect from them. If they have had no dealings with the debtor than there is no advantage.

If you have bad accounts from customers in many locations, hire a national collection agency, or one that is located in the same city as your company to ease the reporting process. It's rarely smart to deal with more than one commercial collection agency at once -- you'll just end up confusing yourself and mix up which company is trying to collect which debt.

As a rule, there is no discount for using a local agency -- either one that is local to your company or the debt dodger. Typically, you will be offered a discount only if you are contracting to have multiple late accounts collected.

The bottom line is. No matter where the collection agency is located, they are still required to follow the law. They can not go to the debtors house and scare them with physical violence. In fact, many agencies will not accept accounts from debtors in a 50 mile radius of there office to avoid a crazy debtor coming to the office to start trouble with the collector.

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It is important to hire a Commercial Collection Agency when you have Business to Business accounts. A full service Collection Agency will help you recover the most money.

Thrifty Spending

By William Blake

In order to live a thrifty life, you need to know more than just that you need to save money. It is also essential that you spend your money wisely. Consider the following ideas about what a frugal person can do with the money that they have worked hard to save.

Start out by making a list of the things that you need, want, and desire related to your money. Number the things you list in order of how important they are to you and try to estimate how much they would cost. Once you have your thoughts mapped out, you can go about making them a reality.

Paying more than the minimum payment on your mortgage each month or even just making one additional payment each year could mean that your mortgage gets paid off in half the time that it would if you always paid the minimum. Doing so will also save you lots of money in interest. When you make such additional payments, make sure that the money is being deducted from you loan's principal. Once you have the mortgage paid off, you can use the money you were accustomed to spending on that on whatever else you want.

Use your savings to tackle home projects that have been calling out for attention. They can be big projects (which could require hiring a professional), or small (but not necessarily simple) like purchasing and hanging the ceiling molding in the children's room. You can choose to use the money to enhance your home and complete projects that have been long overdue.

Get a new pre-owned vehicle. If your existing car is still in good condition then pass on your blessings by donating it to a charity or church or giving it to someone you know needs it. Keep in mind that purchasing a new vehicle will mean an increase in insurance premiums, so be sure to figure that into your budget.

Go on a dream vacation. If you plan your trip during the off season, you will be able to do more with less money and thus enjoy your vacation even more than you normally would.

Even though been frugal does mean saving money in case of unexpected costs, it also important to enjoy the benefits that come from working hard to save your money. Thrifty people should also save some money with the intention of using it to enjoy themselves in some special way.

Your success as a frugal person needs to be honored. Using your savings (that are set aside just for such a purpose) is a great way to keep your motivation for the frugal life up at its highest.

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Wondering how you could be negotiating lower payments on your credit card? You'll find lots of helpful tips & advice on the Debtopedia website at http://www.debtopedia.com

Hints for Saving on American Auto Insurance

By Thomas Kielez

The cost of American auto insurance policies varies not only from insurance company to insurance company but also from policy to policy within the same company, so it pays to do a little research and to understand the how the insurance industry works before buying auto insurance. You can get a lot of answers to your questions by contacting insurance companies directly by phone or online. You can also get information about different American auto insurance providers from your State Insurance Department.

In the United States, as in other countries, auto insurance is designed to protect drivers from loss and financial liability in case of an accident or theft of a vehicle. One of the first considerations when comparing auto insurance providers is the company's financial stability. There are several ratings companies that provide information on the financial strength of insurance companies, including companies such as A.M. Best and Standard & Poor's. Consumer magazines that are focused on cars and trucks may also have information about insurance provider assets and financial strength.

Some insurance companies sell policies through independent insurance agents. These independent agents represent several different companies and can provide a lot of good information about multiple providers. Other companies have their own branches throughout the country that are manned by their employees. While others simply market their policies on line or over the phone exclusively.

When comparing different companies, the price is only one factor to be considered. You will want to work with a company that provides good service, has a good record of satisfying claims. One of the best ways to find responsive companies is to ask for recommendations from your friends and associates, as well as checking with your state insurance department. You will want to find out what their experience has been with different companies and whether they have complaints about specific insurance companies.

When it comes to getting the best rates on your auto insurance policy, raising the deductible is one of the first considerations. A deductible, which is the amount that you would pay out of pocket if you were in an accident, reduces the risk to the insurance company of having to pay a claim for a small accident. The higher the deductible you are willing to pay out of pocket, the lower your insurance rates. You do have to pay this out of pocket though, so you would want to make sure you have access to an amount equal to your deductible.

Another way to save on car insurance is by dropping collision and comprehensive coverage on older vehicles that are paid off. A good rule of thumb is that if the vehicle is worth less than 10 times the premium you should consider dropping full coverage and switch to a more limited policy.

Although it is not always true, in many cases you can save on auto insurance by working with the same company that provides other insurance for you, such as home owners insurance. This is not always the case but it is worth checking in to.

Maintaining a good credit record is also helpful in getting the best deal on auto insurance. More and more, American auto insurance companies are using credit information as a factor in determining insurance premiums. That is one more reason to pay your bills in a timely manner and keep your credit account balances as low as you can. You may also want to check your credit record annually and correct any errors as soon as possible.

Another discount to ask about if you carpool or don't drive a lot is the low mileage discount. Not all companies offer it, but enough do that it is something you should check on if you fall in that category.

If you have been with an insurance company for a long time and have a good driving record take a minute to check with them and find out if they have a discount for long term customers. If you have a young driver on your policy check on any good student discounts they offer. If your young driver is away from home at college without access to a car they may also qualify for a discount.

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Need additional resources about insurance? The American Insurance blog has additional information that will help you make informed comparisons of auto insurance companies and get the best coverage for the lowest price.

Why You Should Use Student Loan Consolidation Services

By William Blake

The odds are against most college students when it comes to student loan debt. That is because the grand majority of them will have incurred quite a bit of debt due to borrowing money to pay for education related expenses. Even though some of the student loans that individuals use to borrow money are part of government or bank programs that offer great interest rates, other student loans are probably quite different.

Other people owe money on a series of student loans, each of which has an individual payment and payment schedule. This can become overwhelmingly confusing because the different payment amounts and payment dates are not easy to keep track of at all. Student loan consolidation services can be of great assistance to you if you find yourself in either of the two above mentioned situations or any other similar predicament.

There are a lot of reasons why you would need student loan consolidation services but mostly the use of student loan consolidation services comes about from a need to reduce your payments and make your life easier.

One benefit of student loan consolidation services is that they give you one interest rate which is charged to all your debt instead of a different interest rate for each loan. If, for instance, not too long before graduating from college you had to take out student loans with high interest rates, taking advantage of the help offered by student loan consolidation services can help you set out from college on a good note and get control over your financial life right away.

A student loan carrying a 20% interest rate can be a huge cloud over your head when you are just starting out so give yourself a chance and get some student loan consolidation services.

So Many Loans

Many students finish their college career with a series of student loans left to pay off. If you have several student loans then the thought of trying to juggle all of those due dates and payments can be intimidating.

Institutions that offer student loan consolidation services will let you take all of your current student loans and consolidate them to just one monthly payment with one flat interest rate. If that interest rate is lower than what you currently pay, you will save money each month on payments, too.

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