Tag Archives: chase
Chase Credit Cards Online
Online credit card applications seem to be the in thing and Chase too offers online credit card application facility. Here, ‘Chase dot com credit cards’ refers to the chase credit cards that can be applied for online. Just for those who don’t know, ‘Chase’ is a brand that is owned by JPMorgan Chase & Co. (a leading global financial services firm).
By ‘Chase dot com credit card offers’, I mean the credit card offers that are available at chase dot com. Obviously, ‘Chase dot com credit cards’ would be regulated by chase. Again, as with any other credit card supplier, ‘Chase dot com credit cards’ on offer would be changing too.
Anyways; one night, before going to bed, I thought of just checking the chase dot com credit cards section. Here is what I found:
There is a separate Chase dot com credit cards section. As I browsed through the Chase dot com credit cards section (the online application ones), the first one I encountered was called ‘Chase Cash Plus’ or the ‘Chase Cash Plus Rewards’. These promise faster rewards and offer 5% earnings on gas and on purchases made at grocery-stores/drug-stores. For other shopping venues, it offers 1% earnings. These earnings can be in the form of gift certificates or cash.
The next on the Chase dot com credit cards section was the ‘Flexible rewards Visa signature card’. Here you earn a point for every purchase of $1. You can keep collecting these points and then finally redeem them for your choice of things (like cash, travel, gift certificates or some kind of merchandise). The redemption can start at 2500 points (and you get a bonus of 1000 points once you make the first purchase). Moreover, this one doesn’t have any annual fee either. So that was the second one in the Chase dot com credit cards section.
Moving on in the Chase dot com credit cards section, I found ‘Free Cash Rewards Platinum Visa card’. This one, as the name goes, offers cash rewards. You can get a $25 check or a gift certificate on redemption of 2500 points. Since there is one point earned for every $1 spend, this mean that you effectively get 1% cash back on these cards.
I had started loving browsing through the Chase dot com credit cards section. So I moved on to the next one in the Chase dot com credit cards section. The next one on the Chase dot com credit cards section was ‘Chase Perfect Platinum MasterCard’ which doesn’t limit you to getting rebates only on a particular brand of gasoline; instead, you get rebates everywhere. ‘
Chase Platinum MasterCard’ was the next one in the Chase dot com credit cards section. This one offers online account management i.e. monthly statements, bill payments etc can all be done online (also you don’t have any annual fee on this one).
There were few more cards on Chase dot com credit cards section and one especially caught my attention. This one was at the bottom of Chase dot com credit cards section and was called ‘Check Gallery Platinum Visa Card’. Here you could choose the design of your card from those available e.g. cowboys, smileys etc.
By now, I was so sleepy that I really had to shut down my computer and go off to sleep.
Note: The information given in this article was correct at the time it was written. However, the author does not guarantee the correctness and completeness of this information at any time.
How Can You Get a Chase Bank Home Loan Modification?
It is every homeowners’ worse nightmare, a financial crisis that may result in the loss of the family home. There is a solution, an alternative to foreclosure, and that is a modification to the mortgage loan. This depends on your bank and your loan insurer so before you investigate loan modification you should first make an appointment with your mortgage lender. This article outlines the usual expectations for those who hope to get a Chase Bank mortgage modification.
First you need to know who insures your loan. This is not something that people commonly know, usually you don’t even need to access this information, so don’t stress if you don’t have this information immediately. All you need to do is phone Chase Bank and ask. You are in luck if it turns out your insurer is Freddie Mac or Fannie Mae. A $75 billion government loan modification program has recently been developed for those with Fannie and Freddie loans that is meant to help homeowners survive this recession by modifying their monthly payments so they are reduced to just 31% of gross monthly income.
Of course, there are some standards that must be met before you are allowed to access this Making Home Affordable Plan. You must live in the home you own, your debt cannot exceed $729,750 and the loan must have been secured prior to January 1, 2009. Your current monthly payment must be more than 31% of your gross monthly income and you must not have had previous loan modifications. This is a very good plan and if you think you might qualify; find a HUD-approved financial counsellor who will be able to give you more information. The government is actively encouraging modification programs to help everyone by giving both the borrowers and lenders incentive payments.
If you are not insured through Fannie Mae or Freddie Mac, there is still hope. Chase Bank still offers modifications. It won’t be as good as the Making Home Affordable Plan since there is no government funding, but it is still better than foreclosure both for you and for your credit rating. Applicants must still be living in the home they own, and must be holders of a fist mortgage that has not been refinanced or modified earlier. The monthly payments, since government help is not a factor here, may be in the range of 31% to 40% of your monthly income before taxes. If you do meet these requirements, you will have to submit whatever paperwork Chase Bank requests. This will include a hardship letter, all financial records, your pay stubs and your tax returns.
If you are facing foreclosure due to an inability to pay your mortgage, check out Chase Bank home loan modification. If your income and loan fall into the eligible range, you might find you can modify your loan and reduce your monthly payment to something you can afford.