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Archive for the ‘Chase Bank’ Category

The United Mileage Plus Signature Visa® Card, issued by Chase, is designed for those who travel frequently with United Airlines and have an excellent credit history.

Through the reward program, cardholders earn one mile for every dollar spent on the card. Miles can be used for travel on United Airlines and can be combined with the United Airlines frequent flyer program. New cardholders receive between 15.000 and 20,000 bonus miles (depending on promotion) after their first purchase and have the opportunity to earn additional miles at participating restaurants. Cardholders also receive a $25 United discount travel certificate and a free one-way, 1,000 mile, one-class upgrade certificate after their first purchase.

The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. The airline reward Miles are compatible with Frequent Flyer Programs.

APR (Purchases): 18.24% Variable

The APR for purchases is based on the Prime Rate.

APR (Cash Advances): 22.74% Variable

To view the most current rates, see the most recent: Terms and Conditions

Late Payment Fee: $15 if balance is less than $250; $39 if balance is $250 or more

Over-The-Limit Fee: None

Cash Advance Fee: 3%, $10 minimum

Balance Transfer Fee: 3%, $5 minimum, $75 maximum

Credit Card Pros and Cons

Pros – Most Attractive Feature(s): No pre-set spending limit; additional miles at participating restaurants; various additional benefits and services to cardholders; bonus miles; card uses ‘Average Daily Balance’ method in determining finance charges, which is less costly when carrying occasional balances as compared to the “Two Cycles Average Daily Balance” method that is frequently used by Chase.

Those who can afford to pay in full each month (to avoid finance charges), currently fly with United Airlines (to combine earned miles with the frequent flyer program), and would like the additional travel services and discount certificates will benefit most from what the United Mileage Plus Signature Visa® Card has to offer.

Mileage Plus Premier®, Premier Executive®, or Premier Executive® 1K® members, there is no limit to the amount of miles that can be earned. Miles do not expire as long as the cardmember earns or redeems miles within a three-year period.

The card offers a variety of additional cardholder benefits that include:

Various Internet account related services

Travel accident insurance

Emergency card replacement

Lost and stolen card reporting.

No liability for unauthorized transactions

Year-end financial statement (upon request)

Purchase protection

Extended warranty for purchases

Auto rental insurance (Auto Rental Collision Damage Waiver)

Various travel and emergency assistance services

Cons – Least Attractive Feature(s): Slightly high annual fee of $60 above average APR for purchases; no introductory rate available. There is a yearly limit of 60,000 miles that can be earned.

Compass bank online is a place many people choose to do their banking needs, as it’s a highly respected bank that offers exceptional internet banking as well.

The bank is actually a part of compass branches, which is centered in Alabama, and the bank has most of its locations in the southern US, in 6 different states.

In fact, it is one of the biggest twenty five banks in the country, and although it might not be one of the more popular banks that comes to mind, such as Chase or Bank of America, it definitely has a solid reputation, and if you do live in the southeast or southwest, you should consider them for your banking needs.

What financial services can you receive through compass bank online? There are many, and in addition to checking and savings accounts, you can look into getting a home or car loan, student loan, and also money management and investing advice. Most banks offer these services, so probably none of those shock you.

One of the things that compass bank is known for is it’s online banking, and with this, you can transfer money from one compass account to another with no hassles, see your current balance online, the recent checks that have just passed, pay your bills from the comfort of home, and of course, access it around the globe.

This is why it’s so hard to understand why so few people take advantage of compass bank online, or any form of online banking, for that matter. What happens if you are overseas, and don’t have access to a branch near you? You run into all kinds of problems that could easily be alleviated with an online banking account, and that’s what compass bank offers.

All you have to do is access a computer with an internet connection, hop online, and get access to the money you need to make your bank transfer. This is also very convenient any time you want to avoid the time consuming task of writing out checks and sending them in the mail, because all you have to do is make a bank transfer to whatever company you are looking to pay.

One thing you need to be careful of here, if you are using a public computer, is that you use a computer without any cookies so that it doesn’t remember the data you entered.

If not, somebody else who gets on after you can very easily access your account and wreak all kinds of havoc on you. This sounds obvious, but lack of caution in this area is what’s responsible for many people having their account hijacked, so don’t let this happen to you.

In addition, you don’t have to worry about anybody hacking into your account as long as you take the necessary security measures, as they have plenty of safety features in place to prevent this, as most banks do.

It just isn’t that dangerous to do online banking anymore, certainly not like in the old days, and there really is no excuse not to use compass bank online, as this can save you plenty of headaches down the road.

If you are one of a rising number of people facing extreme fiscal difficulties and struggling to make your monthly mortgage payments, you may be relieved to hear that foreclosure is not your only option. A loan modification plan is a viable possibility, depending on your lender and loan insurer, to save your house. Below you will find critical information ascertaining to the Chase Bank house loan alteration scheme.

In March 2009, the President brought into effect the $75 Homeowner Stability Initiative, a plan that offers lenders and borrowers alike incentives to modify existing mortgages in such a way that the monthly payment does not surpass 30% of the gross monthly income. Your suitability for this scheme will rely mostly on who insures your house loan. Only loans insured by Freddie Mac or Fannie Mae qualify for this scheme. If you aren’t sure who insures your loan, contact Chase and simply ask them.

As with any fiscal scheme, there are rules in effect. In addition, the mortgage must’ve been taken out before 2009 and must currently surpass, under existing terms, 31% of your total revenue before tax. Ultimately, your delinquent principal mustn’t be great than $729750.

If you meet all the above factors, your next step should be to contact a trained financial counsellor.

If you find out from Chase that your loan is not insured by the above named insurers, do not worry as they also have their own loan modification plan prepared which is easily worth researching before resorting to foreclosure. However for their own plan, Chase also stipulate the mortgage in query must be your first mortgage and must not have, under any circumstances, already been refinanced in any way. You have to be able to demonstrate your capability to afford between 31 and 40% of your gross monthly income by way of a home loan payment. When you have confirmed that you fit the above standards, you’ll then be required to offer Chase with a number of monetary documents including tax returns, statements of revenues and also a hardship letter, detailing the explanations for your financial problems.

Whichever method of loan modification you go for, for people that quality, modifying your loan in this way is substantially more beneficial than a foreclosure.

To find out more about getting assistance from Chase Bank Home Loan Modification program for your house payment, visit http://www.mortgage-modification-loan.org where you will find this and masses more, including how to apply for a house loan modification with success.

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