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Balance Transfer to Chase Travel Plus Platinum Visa Chase Travel Plus Platinum Visa®


Chase Travel Plus Platinum Visa
Intro APR: 0%

 Issuer: Chase Manhattan Bank
Select your destination. Choose your travel rewards.

With Chase Travel Plus Platinum Visa card, your purchases will earn miles that can be redeemed for a variety of travel rewards including airline tickets, hotel stays, cruises, and car rentals. Travel domestically or internationally with no blackout dates.

Chase Travel Plus Platinum Visa

  • Earn 1 mile for every dollar in purchases1
  • Redeem your miles for flights, hotel stays, car rentals, cruises and more!
  • Choose from over 250 airlines without restrictions
  • 0% Introductory APR* on purchases and balance transfers for up to 6 months**
  • The time period for the introductory APR and the balances to which it will apply will be based on our review of your credit history**
  • All this for a low yearly program fee of $29
Whether you plan to fly, drive or cruise - Chase Travel Plus Platinum Visa card can take you there! Click here to apply now!





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Private Mortgage Insurance

If your borrowed amount to pay for your home exceeded 80% of its appraised value, private mortgage insurance (PMI) payments are likely. PMI payments are neither trivial nor tax-deductible. Depending on your down payment PMI can effectively raise interest rate by 0.32% to 0.93%.

To get rid of PMI, prove to your lender that your mortgage balance is below 80% of your home value. Do everything it takes whether with extra payments to reduce loan balance or a new appraisal in case of rising housing value in your neighborhood. Discuss with your lender ways to eliminate PMI.

Refinancing Can Save You Money Too

Generally if a percentage point can be cut off the interest rate on mortgage, refinancing is advised. But you also need to consider closing costs and points. Find the easiest ways to achieve that. Even reducing mortgage payment by $100 a month saves you thousands over the years.

Once you succeed in lowering loan-to-value to eliminate PMI, it pays to continue additional payments to principal. It’s a major financial advantage to own a home outright but there’s no hurry either. You will mostly emerge ahead by following a 30-year payment schedule and investing extra money in market matching index funds. With an online loan calculator, work out the amount you can save by paying off your loan early and compare savings with earnings from investing in an index fund at 11%.

Equity Is A Cheap Source of Funds

The equity in your home could be a good source of low-interest funds for major purchases. Refinancing should be first choice, followed by a home equity loan or home equity line of credit, which is more flexible but with highest interest rates, in order to generate cash for financing home improvement or other major expenses that would incur debt. If you have a lot of high-interest debt, use equity to reduce interest rates. The interest is tax-deductible too. But don’t overdo it. Even though they are good debt, mortgages are debt, so don’t abuse your equity. Always remember that the collateral for the loans is your home.

No matter how much time it takes, it always pays to get the most out of all your mortgage money. Though mortgage loans are probably the cheapest loans on the market, since the amount of money owed tends to reach the highest amounts, the smallest cut on your interest rate will imply huge savings over the whole life of the loan. A half point interest reduction over a 30 year loan can result in thousands of dollars saved in interests.

So, If you can eliminate PMI, refinance for a lower interest rate or destine a higher portion of your income towards debt repayment, do. This will save you significant amounts of money over the whole life of the loan. And you can invest that money and generate additional income to make your financial life more alleviated.


  • Transfer your balance to Chase Travel Plus Platinum Visa®

  • If debt and bills keep pilling up you may eventually have to make a decision. Whether that decision is to take a debt consolidation loan, contact a debt consolidation agency or resort to more critical decisions like filing for Bankruptcy, it is definitely a choice that cannot be rushed in.

    Debt Consolidation = Debt Reduction?

    Debt consolidation in particular can provide up to a 70% of debt reduction in certain situations, however, this is an ideal scenario. Only if your debt is composed of unsecured loans and credit card balances or store card balances you’ll be able to achieve such amazing results.

    However, if too much of your debt is secured, it is less probable that you’ll be able to obtain such a significant cut on your debt. Moreover, there are certain loans that though not secured, have promotional interest rates that cannot be matched or reduced even more. Thus, it makes no sense to try to include them in a debt consolidation program.

    To be more specific, the following loans are seldom consolidated: Home loans, home equity loans, home equity lines of credit, refinanced home loans, federal loans for first time home buyers, federal student loans, other government loans, private student loans from non-profit organizations, etc.

    Secured loans can only be consolidated by means of a secured consolidation loan. In other words, you have to resort to refinancing in order to reduce the burden from home loans and home equity loans and lines of credit. When it comes to car loans, the problem is the same, an unsecured consolidation loan will never be able to match the low interest rate that car loans provide due to being secured and thus you’ll need to refinance the car loan if possible or consolidate via a secured consolidation loan guaranteed with another property.

    Debt Consolidation

    However, don’t get confused; debt consolidation loans are not the only form of debt consolidation. Debt consolidation is mainly debt negotiation and sometimes, by means of a debt consolidation loan, all your debt (or most of it) can be reduced to a single loan with a unique and lower monthly payment.

    Debt consolidation agencies however, first contact your creditors and agree with them a reduction on your debt by reducing the interest rate you pay and sometimes they can even obtain a cut on your debt’s capital. As stated above, by these means you can achieve a debt reduction of up to 70% but most importantly you’ll be able to make your debt affordable again, thus driving away the risk of defaulting or having to go through a bankruptcy process. After this negotiation deal has ended debt consolidation agencies can provide a debt consolidation loan or not. In most cases, even without a debt consolidation loan, all payments to creditors will be made through the agency.


  • 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.