Many people think that the credit card companies once again are out to rip off consumers. Even those who have successfully paid off their debts still feel that some companies are simply not meeting their claims. There are a few myths and misunderstandings that persist. The best way to settle them is to get informed. Here's what you need to know.
Prime Chase card holders have enjoyed stellar credit scores for years. In fact, it has been said that the credit card offers from Chase – particularly the introductory offers – are among the most favorable offered by banks anywhere in the world. For this reason, many Americans carry multiple cards from different banks to manage their debt and their interest costs. The savings these account holders make on interest payments translate into dollars they can put towards their home, cars, vacations and whatever else they want to do with their money.
What these people don't realize is that if the credit cards have an exceedingly high interest rate, it will make it more difficult to pay off the balances. When credit cards with high interest rates are carried monthly, the card holder pays an extraordinary amount of interest each month on top of what he or she is already paying. Then when the introductory period comes to an end, they are back at square one in terms of their monthly payments and total interest. A low-interest credit card is a great idea when you have good credit and steady spending power. It is a much better idea, however, if you can pay off your balances quickly.
If your current credit score isn't where you want it to be, try working on your score first. If you have done everything you can to improve your credit score, you should be able to find a card for Chase that has the lowest interest rates available. Don't just limit yourself to cards with low interest rates. There are other options you should look into. These include cards with cash back rewards, air miles, and many others.
One of the best things about owning a credit card is the perks you can receive. The types of perks that you receive depend upon how well you are doing with your credit scores. Some perks are worth it if you are a low-risk customer, while others are useless.
If you have a low credit score, you should focus on finding a card with the lowest interest rate possible. You should also look for a card with an annual percentage rate lower than the average. If you pay off your balance each month and keep your spending within reasonable limits, you will be able to rebuild your credit in no time. If you are paying a high interest rate, you can expect to pay thousands of dollars more in interest over the lifetime of the card. You will be literally paying interest credit card bills for decades!
There are credit card providers who offer specific services that are tailored to people with bad credit. If you need to purchase an airline ticket, you can use a card that offers a cash rebate or bonus points program. A merchant account may also be offered in order to receive credit card services.
A good credit card service provider will also provide extra perks if you enroll in a household program. The families of people with poor credit ratings need these programs the most. They may not be able to qualify for the lower interest rates offered to family members. If your spouse, parents, or in-laws are using your card, they should be offered the same perks that everyone else is entitled to.
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