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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.

Green Dot Prepaid Credit Card – Review

The Green Dot Credit Card is a prepaid card. This may be unfamiliar so let me explain the basics.

This is not like an unsecured card where the company issues it and attaches a limit on which they then charge interest as it is used. With this you must deposit money and then that amount then becomes your limit.

Instead of making purchases and paying for them later and the interest rate and associated fees. You pay beforehand by loading cash amounts. The issuer is Columbus Bank and Trust Company.

You will need to reload funds onto the card. The minimum amount of the initial load is $20 and the maximum amount of the initial load is $2,500.

You can not have more than $2,500 loaded on the card at any given time. To reload your Green Dot card, you may have a portion of your paycheck directly deposited to your card or you may purchase a Green Dot MoneyPak universal reload from locations such as Rite Aid, CVS, Eckerd, Radio Shack, The Pantry and other participating merchants. The MoneyPak costs $4.95.

You will be charged a $4.95 per month maintenance fee, $2.50 for each ATM transaction ($3.00 per international ATM transaction, $4.00 per cash advance from a teller or non-ATM transaction), up to $1.00 per call to obtain your balance using the interactive voice response system or a live operator, and $10 fee to replace a lost or stolen card. Always be sure to read the Terms and Conditions before applying.

Columbus Bank and Trust Company also offer a Premier version of this card. Be sure to research the Premier card fees before moving forward.

Fees include a one-time $19.95 membership enrollment fee and a $5.00 fee per month if you do not load $750 per month to the card. Additional charges may accrue if you use an ATM.

Likewise, if you purchase one of these cards at a store, the retailer will charge an initial activation fee and a reload fee. Be sure to check with the retailer for the costs involved with purchasing one of these cards.

I do not suggest these cards, however it depend on your situation and why you need the card. Again, personally, I don’t really feel that I want to pay to call someone’s answering machine.

I also don’t want to pay $5 per month merely because I don’t reload $750 per month. I believe I should be the one to decide how much a balance I want to maintain.

Additionally, there are other cards which allow more flexibility as to reload options.