Posts Tagged ‘credit cards’

Chase Bank CD Rates

The current Chase Bank CD rates are broken up into two different categories. The first is the standard rates for deposits between $1,000 and $9,999.99. The special CD rates are for deposits above $10,000.

The standard CD rate for the 36 month is 1.01% APY. The 24 month is 1.01% APY. The 18 month CD is at 0.75% APY. The 12 month CD is at 0.25% APY, and the 6 month CD is at 0.25% APY.

The Special CD rates are as follows. For the 60 month CD, it is at 2.75% APY. The 48 month CD is at 2.25% APY. The 36 month CD is at 2.00% APY. The 24 month CD has an APY of 1.50%. The 13 month CD has an APY of 1.01%, and the final term is a 6 month CD with an APY of 0.50%.

There are longer-term CDs reaching up to 10 years. These rates are only obtainable at your local Chase branch office.

All of these rates are fixed term CDs and to receive the stated APY, the interest must stay on deposit along with the principal. If this is not preferred, Chase does offer the option of the interest being deposited in a Chase Savings or Checking account, but then the interest rate would be the new APY and not the rates stated above.

All of the CDs offered by Chase can be for a single person or joint with rights of survivorship to simplify things for any elderly client.

With Chase online banking, rates can be viewed 24/7. These Chase Bank CD rates were posted on June 7, 2010 and were still current as of June 8, 2010.

For additional resources about Chase Banking services on this website, please view Chase Bank Hours.

For additional resources from another bank, please view Mortgage Rates June 2010 on one of our sister sites, onlinebanksblog.com.

A valuable resource named Colorado CD Rates is available on another sister website called bestcdratestoday.com.

Also available on the sister site of bankcdratesonline.com is Bank United CD Rates.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Bank Hours

While it is true the Chase Bank Hours for their online business is 24/7, there are some fixed hours associated with this financial institution including some departments operating 24/7.

For products and services with the checking, savings, CDs and ATM or debit cards the hours are 7 am till 9 pm local time in every location. This is in operations 7 days a week. There is a 24/7 automated service also available.

For auto financing, the hours are 8:30 am till 5:30 pm local time Monday thru Friday. This too has an automated response service available 24/7.

For personal credit cards along with online account management the hours are 24/7.

For business credit cards along with online account management the hours are 24/7.

To reach someone concerning student loans the hours are Monday thru Friday 8 am toil 9 pm ET.

For home equity line of credit and loans the hours are 24/7.

If you have questions involving investments with Chase the phone are answered 24/7.

If you have a question concerning your mortgage or have decided to refinance your current mortgage representatives is available Monday thru Friday 8 am till 9 pm EST for existing customers and until 11 pm for new customers. They are open on Saturday from 8 am till 5 pm EST for all new and existing customers. This office is closed on Sundays.

Online banking representatives are available 24/7 plus there is an automated service also open 24/7.

Retirement account representatives are available Monday thru Friday 8 am till 8 pm ET and on Saturdays from 9 am till 4 pm ET.

For commercial banking, you must contact your customer service professional or client service officer. These hours vary depending on the office.

For business banking account assistance the hours are 7 am till 9 pm local time 7 days a week. There is also a 24/7 automated service available.

These are the current Chase Bank Hours available to their customers. The Chase online banking website is open 24/7.

For additional resources about Chase Banking services on this website, please view Best Chase Rewards Cards.

For additional resources from another bank please view BB&T Online Banking on one of our sister sites onlinebanksblog.com.

A valuable resource named Arizona CD Rates and Alabama CD Rates is available on another sister website called bestcdratestoday.com.

Also available on the sister site of bankcdratesonline.com is Bank United CD Rates.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Best Chase Rewards Cards

For the best Chase Rewards Cards, it depends on which type of reward you wish to receive. There are cash back, airline mileage, gifts, and low interest rate cards available as rewards. Best of all, there is no annual fee on any of these credit cards.

The Chase Freedom card offers 5% cash back on popular categories. This card also offers 1% cash back on all items where the 5% cash back is not valid.  The initial APR is at 0% for the first 6 billing cycles, then can be as low as 12.99%. The actual percentage is based on the applicant’s creditworthiness. There is also 20% cash back on selected merchandise when shopping at Chase online.

The Chase Slate card offers an initial 0% APR for the first 12 months. After the first 12 months, the APR will be raised, but could be as low as 13.24%. This new APR will be determined by your credit worthiness.

The Chase Sapphire is the card to have if you wish to earn free airline mileage. After the first purchase with this card, the card holder receives 10,000 bonus points. After that, there are 2 points earned for every dollar spent on the card.  The points never expire and there is no limit to how many you may accumulate.

The Chase Ink means business card is the ultimate rewards credit card. With this card, 10 points are awarded for every dollar spent on purchases online. The points can be redeemed for gifts, travel, gift cards, or cash, the choice is yours. This card is globally accepted and there is zero liability protection.

With Chase Online Banking, the best Chase rewards cards vary depending on your needs and how you use your credit. Go online today and discover which is right for you.

For additional resources about Chase Banking services on this website, please view Chase Credit Card Online.

For additional resources from another bank, please view Denver Mortgage Rates on one of our sister sites, onlinebanksblog.com.

A valuable resource named Best Oklahoma CD Rates  is available on another sister website called bestcdratestoday.com

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Credit Card Online

The Chase Credit Card Online service is available 24/7. This is part of the customer service this financial institution has to offer its customers.

This service provides credit card customers the ability to view their transaction online in a safe and secure manner. The one requirement is that the customer sign up for this service, and then log on.

With this service is a set of personalized alerts that can be active to notify you in certain circumstances. The selection of alerts available is a choice of 7 options. You will be notified when your balance reaches a certain level both high and low. When your credit is less than a pre determined percentage of your credit limit, you can have a charge limit that notifies you when the limit is breeched.

There is an alert that sends you a message some days before a payment is due that is set by you. There is also a notice when the payment is missed or the payment is made.

Customers can also make automatic payments to other business with their credit cards. This can be set up online. For those that want to eliminate the paper statement, an eStatement can be set up for added security.

This is also the right place to change or update your personal information that is to be associated with your credit card account.

There is also access to the Clear and Simple money management advice. This is a set of tutorials that can help guide you through the maze of financial decisions you will encounter in the modern world. With Chase Online banking, taking control of your finances has never been easier.

The Chase Credit Card Online service was designed to make your life easier when it comes to handling your credit card accounts.

For additional resources about Chase Banking services on this website, please view Chase Credit Card Complaints.

For additional resources from another bank, please view Armed Forces Bank Online on one of our sister sites onlinebanksblog.com.

A valuable resource named World Bank CD Rates  is available on another sister website called bestcdratestoday.com

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Credit Card Complaints

Before and after the financial collapse the world just went through, there were Chase Credit Card complaints. Like with all of the major financial institutions, Chase is an easy company to complain about. Unlike their banking practices that leveled fees against customers for making mistakes, the credit card branch did what they wanted to.

This is why the list of complaints reached epidemic proportions and the US government is taking action to regulate the industry and set new requirements. One of the things that upset many card holders is the raising of interest rates on customers that have never missed a payment.

With the reintroduction of annual fees to help pay back the US government bailout money, the consumer is again being taken. In addition, late last year Chase raises the minimum payment from 2% to 5%. This might sound bad, but in reality is good for the consumer. By having to pay more off the balance each month, the balance is decreased at a faster rate. This means, in the long run you will pay less interest.

The biggest complaint is over the introduction of a monthly service fee. This is an extra $10 a month to cover the cost of Chase employees to do their job. This comes on the heels of the parent company of Chase, JP Morgan, announcing in January that their profits for 2009 were $11.7 billion. It was also announced by JP Morgan that the Chase Credit Card division lost $2.23 billion in 2009 and were not expected to make a profit in 2010.

Chase online banking is a good way to keep an eye on your account and the balance but your Chase Credit Card complaints should be filed with the FTC.

For additional resources about Chase Banking services on this website, please view Chase Bank Complaints.

For additional resources from another bank, please view Best Banks 2010 on one of our sister sites onlinebanksblog.com.

A valuable resource named CD Rates Florida  is available on another sister website called bestcdratestoday.com

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Cash Back Rewards Card

Experience unlimited cash back with Chase Cash Back Rewards Card. This is the Chase Freedom Credit Card, it has 0% intro APR and has no annual fee. 

This card features 3% bonus cash back offers in popular, rotating categories like gas, home improvements, and department stores. You will be eligible for quarterly bonus rewards offers as long as your account is not in default under, and/or you have not violated, the terms of your Card member Agreement and Rewards Program Rules and Regulations; and your statements are sent to a US address. Quarterly enrollment is required.

You can always earn a full 1% cash back on everywhere else. You will earn a 1% rebate for each $1 of net purchases. You will earn an additional 1% rebate for each $1 of eligible airfare net purchases made online through the program booking tool. There is no maximum number of rebates that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of the Chase toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee.

When you shop online at select merchants through Chase, you earn up to 20% additional cash back. To use the Ultimate Rewards Mall, you must log into your account at the Chase website. Participating merchants and offers are subject to change without notice. Complete Ultimate Rewards Mall details will be provided online prior to shopping.

The length of your introductory period will be 6 billing cycles from account opening for purchases, and 12 billing cycles from account opening for balance transfers made with your response to the offer. APR is valid for introductory period so long as you comply with the terms of your account. Chase applies payments to introductory balances before balances with higher APRs. This means that the length of your introductory period may vary based on your payment amounts and the APRs for other balances on your account.

Visit Chase Online Banking for more details on this Chase Cash Back Rewards Card.

Chase Credit Card Services

There are several Chase Credit Card services you can choose from. There are Chase personal credit cards and Chase business credit cards, each one having their unique features that will fit every requirement.

There is no annual fee with Chase Sapphire with Ultimate Rewards. Use your card to buy anything you want then use the points you earn to pay yourself back with a statement credit. For starters, you can earn 10,000 bonus points after your first purchase. You can also earn 2 points for every dollar spent on airfare booked through Ultimate Rewards. There are no earning caps and the points you earn never expire. And this is just naming a few.

The Chase Sapphire Preferred Card is a card that offers everything that a Chase Sapphire has to offer plus so much more. You also get to earn 15,000 points after you spend $1000 with the card in 3 months. With it, you can transfer your points at full value to some of the industry’s leading frequent flyer and hotel programs, making it easy to “top off” your account. Chase Sapphire Preferred will automatically reward you a 7% annual dividend on all new points you earned. The annual fee is $85 after your first year, but for your first year that card fee is waived. This is a great credit card for frequent travelers.

Chase Freedom Credit Card has a 3% Cash Back Offers when used in categories like gas, home improvement, and department stores. You will also always earn a full 1% cash back on everywhere else. When you shop online through Chase, you will also earn 20% additional cash back at select merchants. This card has no annual fee and it has 0% intro APR.

Chase Ink with Ultimate Awards is a business card with greater purchasing power, unlimited earning potential, premium business services, and more. It has no annual fee and has 0% intro APR. You will earn 1 point for every $1 of your net purchases. You will also earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool.

Visit Chase Online Banking for more details about Chase Credit Card services.

Chase Instant Approval Credit Cards

With Chase Instant Approval Credit Cards, many Americans are still receiving the credit they desire. The best rates are still reserved for those that have always paid their bills on time and have a good debt to income ratio. Because of the recent financial recession, the credit score of an individual has to be higher than before to receive the best rates.

Before the recession, credit scores in the 600s were high enough to receive the best rates. This has changed and now your credit score should be above 700 to receive the best rates. Chase is still offering many applicants instant approval and a 0% introductory rate for the first 12 billing cycles.

After the introductory period in the past, those with good credit could have expected an interest rate as low as 3.99%. Those days are behind us now, with President Obama demanding that all financial institutions that took part in the financial bailout pay back every dollar they took. Those rates are not likely to return any time soon.

At this point in time, Chase is offering their elite customers or those with the best credit score an interest rate of the prime rate plus 9.99%. Those that fall into the premium category, the rates are the Prime Rate plus 13.99%, and the standard rate is the Prime rate plus 18.99%. These rates are one of the ways Chase is going to pay back the government for bailing them out.

With interest rates this high, it is advisable to choose the card that has rewards that you can actually use and benefit from. Chase Online Banking is still a safe and secure way for you to conduct your banking and credit needs.

The Chase Instant Approval Credit Cards are still available of which many people will qualify.