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Balance Transfer to Money Return Visa Platinum Money Return Visa® Platinum


Money Return Visa Platinum
Intro APR: 0%

 Issuer: Card issued by FIA Card Services, NA.
APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Balance Transfers): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: N/A
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details:

  • Customers receive an annual rebate of 10% of their purchase and balance transfer finance charges
  • Rebates of $2.01 or more are mailed via check.
  • Rebates of $2.00 or less are credited to the customer's credit card account.
  • Refunds disbursed in January for the preceeding year.
  • Accounts must be in good standing in order to receive the refund

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions





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If you are in the process of mortgage refinancing, any number of problems can delay closing on the new mortgage loan. There are steps you can take to ensure closing on time; unforeseen delays could result in your interest rate guarantee expiring and paying more fore the new mortgage. Here are several tips to make sure mortgage refinancing goes smoothly and that you do not overpay due to unforeseen delays.

Mortgage refinancing has become an extremely popular avenue for borrowing against your equity and reducing your monthly payment amount, despite rising interest rates. Even if you cannot qualify for a lower interest rate than you already have, you can still lower your monthly payment amount. Because you are required to pay fees when mortgage refinancing, it is important to shop around from a variety of mortgage lender and minimize your expenses.

If you’ve decided mortgage refinancing is right the right choice for you, start by collecting the necessary documentation for your new mortgage lender. You will be required to provide proof of income and assets in the form of pay stubs, bank statements, and tax returns going back at least two years. You will need a recent statement from your existing mortgage lender, the payoff balance of your mortgage, your homeowner’s policy, and the most recent appraisal and survey of your home. Collecting all of these documents before applying for a new loan will eliminate 90% of the delays homeowners encounter during mortgage refinancing. You will want to stay in close communication with your loan representative in case additional information or documentation is required by the lender.

Mortgage Refinancing: Be Prepared to Pay Closing Costs and Points

Mortgage refinancing is just like applying for any other mortgage loan; you will be required to pay origination fees, possibly discount points, and closing costs to secure the loan. If you are unable to pay closing costs many lenders allow you the option of financing this expense with your mortgage; doing this will significantly increase your total finance costs and is usually not worth doing. You may also have the option of buying down your mortgage interest rate by paying discount points to the lender. Discount points are a fee you pay in exchange for more favorable terms or a lower interest rate. Before agreeing to pay points you should determine if the benefit you receive justifies the cost, and how long it will take you to recoup this expense from your potential savings. Having this information will allow you to make an informed decision if paying points is right for you.

Mortgage Refinancing: Watch out for Private Mortgage Insurance

If you plan on taking cash back from your equity when mortgage refinancing, be careful that you do not borrow more than 80% of your home’s value. If you go over this 80% percent threshold, the lender may require you to purchase Private Mortgage Insurance and could delay your closing. This insurance does nothing to protect you and can increase your payment amount by hundreds of dollars. Private Mortgage Insurance only protects your lender from losses if you default on the loan; it would be in your best interest to avoid paying this expense.

You can learn more about your mortgage refinancing options, including costly mistakes to avoid by registering for a refinancing guidebook.


  • Transfer your balance to Money Return Visa® Platinum

  • For those who are contemplating about selling a home in Miami, there is a rife apprehension due to ubiquitous headlines that foretell the imminent burst of the real estate bubble. Evidently, the flurry of buying in the Miami housing market has decelerated considerably in recent years. Price growth in the Miami housing market in particular has been reported to be pretty sluggish in the last quarter of 2005. Such a trend is also observed at the national level—the real-estate market appreciably pedaled a brake with respect to the flurry of 2004 and 2005.

    The National Association of Realtors foresee a widespread drop in home sales in the Miami housing market as mortgage rates rise this year. By the numbers, the projected total figure for home buyers by the end of 2006 will be around 400,000 less than the value reported for 2005. This real estate phenomenon is indicative of equilibration of the real estate market, wherein a balance between buyers and sellers is in the offing. In a balanced real estate market, “buyers can take the time to do the due diligence,” rather than having to “bid over the asking price.”

    Research, as usual, provides an edge to anyone who plans on selling in the Miami housing market. A well-informed seller who takes a detailed look at the present conditions of the Miami housing market by finding out what is selling, what is not and why, is in a better position to grab a satisfactory deal.

    High expectations would not get anyone far, especially not in a cooling market such as the Miami housing market. To avoid too much frustration, a home seller must not expect to get more for a house than another got a year ago. Last year was hot, this year is not. The best advice real estate experts give is for one to examine more recent sales data and use these as basis for pricing a home appropriately.

    Appropriate pricing of a home implies not asking too much, because aggressive pricing does not expedite sale, especially now that buyers have more options to choose from. Consequently, a seller who prices too much could get stuck with a home that fades away on the market. The longer a property for sale floats, the more difficult it is to sell. In point of fact, homeowners who ask more for the homes they sell ironically tend to get less in the end. Studies have shown that pricing homes appropriately would sell them faster and at a higher price show than pricing them aggressively. The results of the study are simple to digest—overpricing results in low bids, while proper pricing results in high bids.

    Remember that first impressions could make or break a prospective deal. The last thing a seller would want is to turn off a potential buyer even before he or she takes a glimpse inside the house. To add aesthetic value to the home, make sure it is painted, and call a landscaper to get the lawn in perfect shape. Not only could a home with a more inviting appearance sell easily, but also it could sell it at a higher price for the added aesthetic value. Furthermore, make sure everything is mechanically functioning perfectly. Have an inspector examine everything from the central air conditioning system to the furnace and water heater. The air conditioning must be in perfect shape especially for a hot place like Miami. Even minor repairs can critically affect a buyer’s decision to purchase a home. Hire a contractor to check each and every detail of the home. As an admonishment, a homeowner who prefers to leave the home as is must be prepared to drop the asking price.

    Keep the home as spic-and-span and clean as possible. Closets must be cleaned out and excess clutter and furniture must be gotten rid of. Anyone looking to buy a house would naturally want it to look as spacious as possible.

    Patience is a virtue, most especially in selling homes. A good six months is adequate to carry out all the tips suggested here. The hassle is worthwhile for getting the best selling price in the Miami housing market.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.