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Balance Transfer to Chase Platinum Chase Platinum


Chase Platinum
Intro APR: 0%

 Issuer: Chase Manhattan Bank
Choose all the privileges of Platinum, with a 0% APR for up to 12 months.
Now that's interesting. Apply Now!

0% Introductory APR for up to 12 months on all purchases and balance transfers*

  • The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
  • No Annual Fee
  • Interest-free grace period when you pay your bill in full each month
Get great Platinum privileges
  • FREE Online Account Access
  • FREE travel services including Auto Rental Insurance and $500,000 Worldwide Travel Accident Insurance
  • Zero Liability on unauthorized transactions**
*Valid for introductory period so long as you comply with the terms of your account. Also, we apply 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. Learn more about rates, fees, and other cost information by reviewing Pricing & Terms. **Covers U.S.-issued cards only. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa. See your Cardholder Agreement for more details




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Basics

Collections are listed on your credit report:

  • by individual creditor

  • the details of the collection

By Individual Creditor

Your credit report will list your delinquent payments and collections. This information generally remains on your credit for several years.

Items may be incorrectly listed as being paid late or as collections. You can work to clean these up and correct your credit report. If the collection is a genuine item you will be able to pay it off and the outstanding balance on that credit line will be reduced to zero.

The Details of the Collection

The details of the collection include:

  • the creditors name
  • the outstanding balance
  • how many days it has been late (30 days, 60 days, 90 days, or more)
  • contact information for the creditor
  • account number for the debt
Your credit report may list creditors you are unfamiliar with. It may be a name you simply don't recognize. This is usually because the creditor is a collection agency that has purchased your bad debt from a previous creditor. For example, your delinquent cell phone bill may be sold off to a collection agency and the item will then be listed under their name, not the cell phone company's name.

Time and Credit Scores

Your credit score may be hurt the longer a collection remains on your credit report.

Just because a creditor has given up on collecting from you doesn't mean it won't still hurt your credit.

You are much better off taking care of these items as soon as possible.

If a collection is a legitimate item and you pay it off the item will have an outstanding balance of zero (listed as paid off). It will still show up on your credit report, but the process of helping your credit may start with this.


  • Transfer your balance to Chase Platinum
  • There is a lot of interest in 0% APR Balance Transfer credit cards because of the tremendous savings possibilities they offer. You don’t have to be an MIT graduate to understand that the 20% you are paying to a high-interest credit card on a balance of $ 10,000.00 is two grand; and if the interest on your credit card was 0% APR, that money would stay in your pocket. It turns out, however, that not all 0% APR credit cards are the same. Major credit card companies, who are competing fiercely with each other at this moment, use a variety of enhancement programs that combine the idea of 0 % APR Balance Transfers and with other add-on bonuses. Consider the offerings of three of the largest credit card companies, how they are similar in terms of the basics, but are putting a twist on benefits: The Chase Platinum Credit Card Chase bank has been in the credit card business for a long time, and this card is their standard offer. It has 0% APR on all purchases and balance transfers, provides free online account access, and does not charge an annual fee. The only question about this card is how long does the 0% APR last; and the answer depends on your credit. If you have excellent credit, Chase will give you 0% APR on purchases and balance transfers for a full year. If your credit is good enough to qualify for the card, but not quite good enough to meet the higher standards, that period of 0% APR drops. Still, the opportunity to transfer balances and make purchases at 0% APR makes Chase a good choice. The Miles Card from Discover Another industry heavyweight, Discover, has 0% APR credit cards available for purchases and balance transfers. The Miles Card, however, adds the benefit of accumulating airline miles to help consumers choose Discover over everyone else. The company touts their 0% APR credit card for its twelve month duration and the ability to include balance transfers at no interest. The real inducement, however, is the 12,000 mile sign-up bonus and one-mile-for-one-dollar point award. Just to make the deal a little sweeter; there are no blackout dates for these miles and you can fly any airline at any time. You have to have good credit to get one, but the Miles Card from Discover may be a good way to save interest on purchases and balance transfers while building up miles for the next vacation. Citi® Diamond Preferred® Rewards Card This 0% APR credit card from Citi not only gives you 12 months of interest-free funds and no balance transfer charges, it also has a points reward system that gives you redeemable points based on purchases. The program works by offering five reward points for every dollar spent on purchases made at supermarkets, drugstores and gas stations; all other purchases get one point per dollar. You get 5,000 bonus points when you get your card, which can be redeemed for a $ 50.00 gift card after your first purchase. Like the Discover card, you will need good credit to get this 0% APR card, but the initial bonus points and rapid accumulation of reward points for purchases of the basic necessities of life could make this just the card for you. These days, the question is no longer about finding a 0% APR credit card or a 0% Balance Transfer card; the issue is how would you like that card—with extra months of interest-free money, airline miles, or other rewards such as incentive point programs? Any person who is currently carrying balances on high-interest credit cards should shop online and take a look at the 0% APR and 0% Balance Transfer credit cards from Chase, Discover, Citi and other companies. You may just find the right card for you.
  • 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.