balance transfer credit cards
    Balance transfer credit cards      Site disclaimer      Email Us    
Balance Transfer to Asiana Visa Platinum Asiana Visa® Platinum


Asiana Visa Platinum
Intro APR: 1.9%

 Issuer: Card issued by FIA Card Services, NA.
APR (Purchases): Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate between Prime + 6.99% and P + 10.99%
APR (Balance Transfers): Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate between Prime + 6.99% and P + 10.99%
APR (Cash Advances): 21.99% Variable* minimum 19.99%. (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: $80
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $2,000
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
Foreign Currency Conversion Fee: 3% of foreign transaction
Balance Transfer Fee: None

Reward Program Details:

  • Miles per Dollar: 1 Mile
  • Miles per Dollar spent on Asiana Airlines ticket purchases: 2 Miles
  • Miles Compatible with Frequent Flyer Programs: Yes
  • Yearly Limit on miles you can earn: 100,000
  • Bonus Miles: 5,000 miles upon 1st purchase
  • Anniversary Bonus Miles: 2,000 each year when you renew your card
  • 90% discount on a full fare business or First class ticket for a companion (per year)
  • $500 discount toward the purchase of a full fare Business Class ticket with free First Class upgrade (per year)
  • 2 Free Asiana lounge passes (per year)

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





 Back to the category menu

Apply for Asiana Visa® Platinum


Healthcare providers, particularly those with a large mix of Medicare related transactions, are in for a cash and profit squeeze. Refinancing existing medical and office equipment leases can be a way to ease the pressure. According to AMA President Jeremy Lazarus, 45% of physicians in the American Medical Association plan to decrease or stop the acceptance of new Medicare beneficiaries if Congress does not act to stop a 5% decrease in Medicare payments. These payment reductions are scheduled to go into effect in 2007. According to Lazerus "Over the next nine years, Medicare will cut physician payments 37%, unless Congress acts before January 1, 2007", adding, "at the same time, the cost of caring for those patients will increase 22%, and that math just doesn't add up". The cuts, which would reduce payments by $2.8 billion over five years, are included in a 2006 deficit reduction package.

Should the projected cuts hold up, providers will need to become more operationally and financially efficient. One way to offset the decreased cash flow is to refinance equipment. Many providers are making very large monthly payments because they have opted to execute four or even three year leases. There are now medical equipment financing options available that can spread those payments out over a 96 month period. For example, a physician needed $500,000 of equipment to start his practice and signed a 48 lease. Payments on the lease, assuming an 8% interest rate, would be approximately $12,200 per month. If that equipment were refinanced at the beginning of year two, the balance would be approximately $380,000. Refinancing that balance over 96 months would result in payments of $5,400 per month, a cash savings of $6,800 per month or $81,600 per year.

The provider should carefully review the equipment being used to determine if he is a good candidate for long term refinancing or even buying new equipment for longer amortizations. If the medical equipment is likely to withstand an onslaught of technical advances, a refinancing could be the ticket to helping offset the specter of Medicare payment deductions.







  • Transfer your balance to Asiana Visa® Platinum

  • Do you often have too much month left at the end of your money? While you strive to pay your monthly bills on time, computers are keeping a close watch on your performance.

    Automated programs keep score on your payment punctuality, and other financial information, which have a direct impact on your ability to qualify for a loan, and the interest rate you will be offered. A score of 700 or better can provide the lowest rates, while a score of 620 or less can mean the highest rates, or possibly no loan at all.

    3 Primary Factors That Influence Credit Scores:

    Late Payments - Not considered late until 30 days past the due date. 60 or 90 day late payments are more negative than a 30 day late. The age of late payments can influence credit scores. Recent late payments are considered worse than older ones. More serious issues include: consumer credit counseling, collections, bankruptcy, and foreclosure.

    Outstanding Debt - Having a large number of open accounts can reduce your credit scores. Another issue is the ratio of your credit limit compared to the current balance. Using 75% of your credit limit is a greater risk than using 25%.

    Account History – Older credit accounts can have a positive effect on credit scores, as long they are not delinquent. Having recently opened accounts could reduce your scores. Also, multiple inquiries indicate a possible new account, which may cost a few points.

    Incorrect information can sometimes appear on a credit report. If you believe there is a potential error on your credit report, you are entitled to dispute the accuracy of the information. The federal Fair Credit Reporting Act gives you the right to challenge inaccurate information by contacting the reporting agencies, and the company who reported the information. Under the FCRA, they are responsible to correct any errors on your credit report free of charge, and within a specific time limit.

    The credit bureaus, Experian, Equifax, and Transunion, are required to investigate your dispute within 30 days of reporting the potential error. They will contact the source of the derogatory information and try to confirm the record. Providing documentation to support your claim, if you have any, can also expedite the process. If the credit bureaus are unable to confirm the derogatory information from the source, the item must be removed from your credit report, which can improve your score.


  • 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.