No Balance Transfer Cards

Chase Freedom Card Offers $100 Cash Back Bonus with No Annual Fee

It is well known that people with the best credit scores get the best deals on financing, Chase and this card is no exception. Although it does not lower interest rates there (11.99% - 22.99%, depending on your credit history), no cash back offer free rewards annual: a rare characteristic in today's market. You earn one point for every dollar spent and the cash equivalent of a point is $ 0.01. That does not sound like much money back, but if you put a large portion of your monthly purchases on the card and pay the balance every month, every $ 500 you spend is extended by five dollars in his pocket.The card also offers 0% interest on balance transfers for 12 months and 0% interest on purchases for six months.

In addition, if you make $ 500 in qualifying purchases during the first three months of account opening, Chase will give you a bonus of 10,000 loyalty points. This equates to a $ 100 bonus for spending $ 500 on the card in the first three months. In addition to money regularly supports 1% on all purchases, you can earn an extra 4% bonus on certain categories.Chase says the bonus categories include items such as gas, groceries and airline tickets, but the categories of bonuses are subject to registration and quarterly maximum.

It looks like a really big deal. So what's the catch? Well, for starters, not everyone will qualify for this card. The regular interest rate could be lower, but if you pay your balance each month the interest rate is not a problem. However, if you exceed your credit limit or pay late, your interest rate jump to 29.99%.April this penalty applies only if you make a late payment on this particular card Chase, but if you make a late payment on any account with Chase or any other bank that Chase is bound. Moreover, even if you're not paying interest on balance transfers you make during the first 12 months you will have to pay an extra 3% (or $ 5, whichever is greater) on all balance transfers. Fee balance transfer is quite common for the industry, however.

Bottom line: If you have a high credit rating (usually 700 or above), this card is definitely worth taking a second look at it.

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How to Apply for a Credit Card (Or Something Else) with No Credit ...

Credit applies

You've probably heard your whole life credit poor ruin your chances to get credit until you're old and gray. You will not be able to get that car / house / loan you need a holiday later if you ruin your credit now. Therefore, you have probably joined the ranks of millions who have decided that the lack of credit history is better than getting a poor, and you managed to hold your self to ask for a credit card in a effort to keep your record "clean."

What they do not tell you is that no credit can be even worse than getting bad credit. The unknowns are at risk. Someone with past bad credit history can be counted on to continue to have had a bad credit history. There are enough legal options in place that these people can receive credit at an exorbitant rate curiosity and creditors will receive their cash sooner or later.

What do you do if you try to apply for credit, or provide a credit application in the future, and you have no credit history?There are some options available to you to help you build your credit with a very low risk.

1. Apply for a credit card with no credit history with these companies is simple: they do not expect to have one.

Be aware, however, there is of course a price to pay for their indulgence. The level of curiosity about these playing cards will be higher because you are a stranger. They do not know if you leave reliably pay your balance or not, so they cover their travel to Paris.The greatest thing you can do is keep your purchases on these cards to play little, and spend them in full each month.

Try to maintain stability on these small cards used to buy your gas, for example. A card with a balance $ cons you will operate in the complex world of credit, so be prepared. Just do not overextend yourself. If you can not afford it now, you will not be able to afford it later.

2. If you're not a student and simply do not take time to build your credit, look for a company with a reputation for considering your life script. Do you have a job?How long were you there? How many times have you moved? Do you spend your rent on time? All these things can work in your favor when it comes to acquiring a credit card that will help you build your credit.