The best approach is not to have credit card debt at all

On a positive note, Chase recently extended the introductory 0% balance transfer rate on their Chase Platinum Visa Card to up to 15 months.Contrast this with going to court, where taxpayers cover the costs of the judge, staff and courtroom and where you may not have to pay any legal fees until your case is resolved. They may be using it to make purchases in your name. That's why you need to study the filler material that comes with your statement each month. Credit cards that offer cash back programs are the Chase Cash Plus Rewards Visa Card and the Citi Dividend Platinum Select Credit Card.You'd have to pay off the entire balance transfer before a single penny gets directed to any new purchases you've made with the card. In a financial emergency, you can borrow against your own CD or savings account with an interest rate of only about 2% to 3%. Credit reports are very important when you apply for loans for a mortgage, a car, or when you fill out credit card applications. But remember, reward cards tend to have higher interest rates and carrying a balance on any credit card is generally not advisable. This also provides you the opportunity to make a more informed decision on which credit card to accept. They will base how many times you’ve paid late, how much debt you owe and how much is the credit still available. Once the Credit-ED Challenge is completed, students are encouraged to take the Credit-ED Challenge Certification quiz to become Credit-ED Certified. In order to get the lowest advertised APR you will need a good credit rating. This way, you avoid paying for interests while you pay off your credit card balances. Chase launched its Chase/Continental Airlines Banking Card back in 1999.Customers with a Chase Select checking account have the option of earning miles at a much faster rate: They earn one OnePass mile for every dollar they spend on their Chase debit card.