Chase Credit Cards For Students

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Chase Credit Cards
You may have already learned about credit cards through your parents during your younger years and have seen the different uses for cards. Credits cards are really helpful in assisting with the daily needs and other expenses like education. In fact, parents may have familiarized you about using a credit card by applying for a student credit card when you were in college to facilitate your expenses... Read credit cards article



Guide To Credit Cards
We all know we should scrimp and save for that new sofa, that much-needed family holiday or that special birthday present for a loved one - but nowadays, few of us really want to wait. Let's face it - we live in a buy-now-pay-later society. Credit Cards offer an easy way of borrowing for our everyday needs. What's more, your newfound flexible friends will even shoulder existing debt for you!
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Chase Credit Cards For Students
Chase Bank USA offers a number of student credit cards with various types of benefits and incentives. If you are a student of any college or university, you can take the advantage of it. You will get cash back offers with every purchase you make with the student credit card and even while paying your college fees and buying books.

Chase Student Flexible Rewards Visa Card earns you points towards free merchandise or gift certificates with every purchase. It charges 0% Annual Percentage rate (APR) for the initial six months. After that, a variable APR from 17.99% to 22.99% will be charged depending on your spending and payment of the dues. It charges 23.99% APR for cash advance and 31.99% in case of default. It provides a grace period of at least 20 days for repayment of purchase balances. It applies two-cycle average daily balance method for computing the balance for purchases. It has no annual fee.

It rewards 1 point per dollar spent. When you collect 25,000 points, you can claim a free round trip coach airline ticket on any major U.S. airline. You can also redeem your points for hotel night stays or car rentals. Besides, you can redeem your points by buying from top brand names like Sony, Weber and Coach. Starting at 3,000 points, you can redeem from some of the country's top restaurants and stores including Olive Garden. Maximum point accumulation is 60,000.

There are also Chase Student Free Cash Visa Card and Chase Student MasterCard. With Chase Student Free Cash Visa, every purchase on your card earns you points towards cash-back or a gift card through which you can get some select popular categories of products.

With Chase Student MasterCard, you will get the financial independence you need and open a world of opportunities that comes with good credit. Whatever it is you need to buy - clothing, car repairs, or even books - it is good to know that you are saving money in the process. And with a reasonable credit line, you can build your credit history, gain financial independence, and save money all at the same time.

The company has special cards for students of Cornell University, Duke University, Lehigh University, Louisiana State University, Miami University, Oklahoma State University, Oregon State University, Temple University, Texas Tech University, The Citadel Student, The Harvard and MIT Coop, UC Davis and many more.

In all these student credit cards, APR for purchases is 0% for the first 6 billing cycles following the opening of your account. After that, 17.99% to 22.99% APR is charged depending on your spending and paying back the balance. For Balance Transfer, APR is 0% for the first 6 billing cycles. After that, it charges 17.99% to 22.99% APR. For cash advance, APR is 23.99%. In case of default payment, APR is 31.99%. Grace period for repayment of purchase balances is at least 20 days in the cards.

It applies two-cycle average daily balance method for calculating the balance. It has no annual fee. Transaction fee for balance transfers is 3% of the amount of each transaction, but not less than $5.00 nor more than $75.00. Transaction fee for cash advances is 3% of the amount of the transaction, but not less than $10.00. It also charges fees for late payments and if you are taking credit over the limit.

With every student credit card, you can withdraw emergency cash. There is also auto rental collision damage waiver, travel accident insurance Up to $100,000 and security for the purchases you make with the card.

Besides student credit cards, Chase Bank USA offers a variety of credit cards under different category like general purpose cards, rebate cards, entertainment cards, travel cards, auto & gas cards, retail cards, military cards, sports cards and business cards.

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Discover Platinum Card Secrets

Discover Platinum Card is one of the cash reward credit cards operated by Discover Financial Services, a business unit of Morgan Stanley. The card offers a number of benefits to the user.

Discover Platinum Card provides 5% cash back on purchases made at select merchants or in certain categories throughout the year. You will get up to 1% cash back on all other purchases made using the card. Besides, you can increase your cash back bonus when you redeem your cash rewards for gift cards or certificates from the company's partners. Certain circumstances, such as account closure and inactivity for more than 36 months, however, could result in forfeiture of some or all your cash back bonus.

The Annual Percentage Rate or APR is 0% for all purchases till the last day of the billing period. After that the standard APR (estimated between 11.24% and 18.24%) is charged. Balance transfer APR is 0% till the last day of the billing period. Post this period, the standard APR is charged. For defaulters, the rate is between 16.24% and 28.99% and is decided on the basis of their payment history. For cash advances, the APR varies between 20.99% and 22.99% based on what Discover Card you have.

A 25 day (or more) grace period or interest-free period is also there for Discover Platinum Card holders. Credit limit for Discover Platinum Card is $5,000 and $1000 for Discover Gold/Classic Card. The two cycle average daily balance method is applied to determine the card holder's charges. This method is slightly costlier than the more commonly used daily average balance. The Discover Platinum Card has no annual fee. Also, there is no charge for additional cards on one account. You can share all the benefits of the cards with your family members with the additional cards issued in your name.

The fee for every cash advance transaction with this card is 3%. It charges late fee of $15 on balances up to $500, and $39 on balances over $500. Its over limit fee is $15 on balances up to $500, and $39 on balances over $500. You will get air travel accident insurance and rental car collision coverage with this card. Some of the other benefits that the user of discover cards can receive are different card designs, online access to account information, emergency replacement of cards, protection against fraud, Insurance for auto rental, travel accident insurance up to $500,000. The company also provides easy account management options. Its online account options provide you timely reminders about fees and charges.

Discover Financial Services a variety of other cards including the Discover Gold Card, the Discover Platinum Card, The Miles Card from Discover Card and an array of affinity cards. These cards, intended for meeting the different needs of people, have several benefits and incentives.

It is suggested that if you are applying for any of the Discover Cards, you compare the benefits with other cards. Do a little research in the internet before going for the card. Also, you should understand the various jargons and terms like APR, fees, annual charges, cash back bonus, gift certificates etc, mentioned in the application form. If you do not understand any of the term and condition of the card, ask the customer care service for details, they will help you understand.

Also, credit cards have both advantages and disadvantages. The users should be aware of the pros and cons if they have applied or now using the credit cards. The cards may be an easy solution to the cash crunch, but if misused you will fall under debt trap.

Note: The figures specified in this article were current at the time of writing the article. However, author doesn't guarantee the correctness of these figures.




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Chase Credit Cards For Students
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