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


MilesEdge Platinum Visa Card
Intro APR: 0%

 Issuer: Card issued by FIA Card Services, NA.
APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is variable risk based rate between Prime + 4.99% and Prime + 12.99%
APR (Balance Transfers): Intro Rate - 0% for six billing cycles. Goto rate is variable risk based rate between Prime + 4.99% and Prime + 12.99%
APR (Cash Advances): 21.99% Variable* minimum 19.99%. (P+15.99)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: $19
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:
Points per Dollar in net purchases: 1 Point
Bonus Miles: 1,000 upon first use
Miles Expiration: Up to 5 years (points expire on the last day of your Billing Cycle that closes in December of the fourth calendar year in which they were earned).
Yearly Limit on miles you can earn: 75,000 points

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





 Back to the category menu

Apply for MilesEdge® Platinum Visa® Card

1) You must find an EAP in your city or state. Finding an EAP in your home city or state makes little to no difference in the scope and quality of service you will receive from your EAP. Most EAPs have an extensive nation-wide network of counselors. Let's say your company is based in St. Louis. An EAP in New York might actually have more counselors under contract in St. Louis than another EAP that is actually based in St. Louis. It is important to remember that EAPs are facilitators and they can perform their tasks sucessfully from any location within the United States. Instead of being concerned about the location of an EAP, you should concern yourself with their network coverage in your area. It's alot like cell phone reception. If you live in Key West, Florida and your shopping for a new cell phone plan, would you be concerned with how well Cingular covers your area, or if they have an office down the street. 2) EAP can only assist in facilitating mental health treatment for your troubled employees. This issue is a hot topic among EAPs. There are some EAPs that focus solely on facilitating mental health treatment for your troubled employees. After all, this is how EAP began and what it was originally intended for. However, there are some EAPs that are evolving and offering extra incentives to their client's employees. These extra incentives vary from EAP to EAP and can range from pet care to fitness training. The EAPs that only provide mental health services would argue that offering these types of unrelated incentives could dilute the value of traditional EAP services. The EAPs that offer these extra incentives would argue they are further promoting the overall wellness of each employee thus these extra services could prevent future mental health problems for their client's employees. Looking at current trends you could argue that the leading EAPs are evolving into a more balanced view on this subject. They seem to be offering wellness related services such as health clinics, fitness management, and even substance abuse testing services and preventative programs. But, they are not offering pet care, travel incentives, coupon books etc. Again, this will vary from EAP to EAP. 3) EAP will have little effect on your bottom line Nothing could be further from the truth. Many companies that utilize EAP services experience a tremendous return on their investment. Troubled employees cost the company money in productivity and job loss. The EAP is specifically designed to drastically improve this by providing treatment and preventative care for your employees. When choosing an EAP ask them for client references and you will likely be inundated with testimonies from companies that state a positive impact on their overall bottom line. 4) EAP is an expensive benefit There are certain EAPs that do over charge for their services. But, you can likely find a great EAP for a little over a dollar per employee per month. EAPquotes.com is a must visit web site when it comes to comparing EAP services and costs. They have an online form that you can fill out in a few minutes, select which EAP will receive your contact info, and press "submit". Within hours you will receive customized cost proposals from some of the nations leading EAPs. Click on the link below to access EAPquotes.com 5) There are really only a handful of employee assistance programs out there. This may have been true in 1980 but no longer. There are over a hundred active, nation-wide, employee assistance programs in the United States today. We hope this article has clarified some common myths related to EAP. Good luck in finding the right EAP fit for your company!







  • Transfer your balance to MilesEdge® Platinum Visa® Card

  • The real estate market has been showing signs of slowing and more and more properties are advertised for sale; however, one real estate transaction type is gaining in popularity and that is the "seller second". In such a scenario, the seller holds a second mortgage allowing the buyer to purchase the home with little or no-money-down. The down payment or a portion thereof is effectively financed with the "seller second".

    Since the first mortgage balance will be less than 100% of the sale's price, there is a lower inherent risk to the first mortgage lender who in turn is willing to approve a buyer who would otherwise not qualify for a no-money-down first mortgage. This dramatically increases the pool of potential buyers and that leads to a quick sale in today's market.

    Typical minimum credit score requirements for a no-money-down loan are 580 or above; but, with the assistance of a 5% (5% of the sale's price) "seller held second", a buyer can purchase a home with a 550 credit score. With a 20% seller held second, a buyer with a 500 credit score can buy a home no-money-down. With a 35% seller held second, there are no credit score requirements for the buyer.

    After closing, the buyer will have two monthly mortgage payments, one payment to the first mortgage holder and a second payment to the seller. The second mortgage is typically structured as a thirty-year amortization with a five-year balloon. At the end of the first year, the buyer can refinance the first and second mortgage into one new first mortgage and at that time the seller will recoup the balance of the "seller second". In the meantime the seller will receive interest only payments from the buyer.

    A year ago, it was a seller's market. Properties were selling as soon as the real estate 'for sale' sign was planted in the yard. At that time, it was not uncommon to hear of bidding wars in the driveway and the subject property would end up selling for more than the asking price. Now we are in a different market. We have entered a buyer's market. Properties remain listed for sale for periods of time that exceed a sellers comfort level. Driving down a typical street in Any Town, USA, one might see numerous 'for sale' signs and even signs reading the likes of "price reduced". Reducing the price of a house does not significantly increase the pool of buyers that potentially qualify for financing for that property and therefore, demand remains unchanged as the result of a price reduction. The solution can be found through offering a "seller second".

    A "seller second" effectively increases the number of buyers that qualify for financing and subsequently increases the demand. FICO statistics seem to indicate there are approximately 25% of the scorable population in this country that have a credit score between 500 and 649. Offering a "seller second" to buyers in this range can turn them into qualified borrowers and happy homeowners.

    To offer a "seller held second", a seller will need to have sufficient equity in the property. Also, sellers need to understand that there is a risk of default by the potential buyer.


  • 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.