When choosing a credit card it’s crucial to pick one that fit your needs. Apart from being an effective way of obtaining credit, it allows the user the flexibility of spending their money sensibly and has become an indispensable tool for managing finances today.
The Number One Choice
Although MasterCard and Visa have been the leading credit cards for many years, the Chase credit card has grown tremendously in popularity and is becoming the #1 choice for most people. The company also offers Auto and Gas cards, student cards, and travel cards.
The Benefits Of A Chase Credit Card
The Chase credit card be beneficial in many ways, it’s very convenient for working and busy people. It’s perfect for people who do their banking online. Accounts can be maintained, balances checked, and bills paid. All this can be achieved with a few simple keystrokes.
The Convenient Card
A chase credit card allows a customer to purchase goods easily when they buy directly, over the phone, and even online. It’s the perfect card for people who travel a lot since it’s accepted all over the world.
Easy To Find And Apply For.
Some other benefits offered by chase are: It offers a lot of processing options compared to other brands, it’s available in lots of places, and they help people save money by offering enticing incentives such as low introductory rates and waived membership fees.
Reward Programs
Many Chase credit cards offer rewards programs. You earn travel miles for every dollar spent. Or reward points, which are accumulated and used to purchase gifts from a Chase card catalogue. Once you have enough points request a gift and it’s shipped right to your door.
Outstanding Customer Service
Many people because of the great customer service they provide choose Chase credit cards. Apart from the incentive programs they offer around the clock customer service. If a card is lost or stolen you can contact support and report it any time, night or day, and they also have programs in place to help protect their customers from identity theft.
Zero APR For Up To Six Months
Some other benefits when you choose a Chase credit card? For up to six months the APR is zero on balance transfers and all purchases. (You pay back exactly what you borrow with no interest). This makes it ideal if you have high interest cards, you can pay them off and save a whole bunch of money.
No Annual Fees
Unlike other credit cards that charge an annual fee ranging from $20 up to $100 just to keep their card, Chase has no annual fee. They also have an interest free grace period but to qualify you have to pay your bill in full every month.
Are There Any Disadvantages compared To Other Credit Cards?
Although Chase has a lot of advantages, it is still a credit card and you have to make payments on the balance. If you’re late or miss a payment in the first six months you lose the interest free benefit and it can also raise the APR for the life of the card. So with this in mind before applying make sure you can afford the monthly payment.
