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Chase Perfect Card^®

Intro APR: 13.99%

Issuer: Chase Manhattan Bank

Perfectly Rewarding
Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.

Perfectly Rewarding
6% rebate on all gas purchases made at any gas station for the first 90 days.
After that, you'll earn a 3% rebate on all gas purchases.
Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
0% Introductory APR* on balance transfers
All the rebates you earn are automatically credited towards your future purchases
Worldwide acceptance
Generous credit line
Automatic Travel Accident Insurance
Purchase Protection
No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.

With the Chase PerfectCard you earn a 6% rebate on all gas purchases made at any gas station for the first 90 days. After that, you'll earn a 3% rebate on all gas purchases. And when you use your card at... a department store... your favorite restaurant... the dry cleaners... grocery stores... or anywhere else you shop, you earn a 1% rebate. Plus, your rebates are automatically credited toward any future purchases made with your

Chase PerfectCard. The payoff for you is fast and easy. With the Chase PerfectCard, you don't need to go out of your way to earn your rebates. Simply use your card everywhere you go.

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There are numerous ways of marketing, but one of the most exciting and most rewarding is through networking. Whenever attending an event, imagine meeting at least one person who has the potential of generating an abundance of extraordinary business for you.

With this in mind, enter the room with a mission to meet or receive a business card from everyone there in an attempt to locate this one person. Here are eleven techniques to make this opportunity less challenging and more rewarding.

1. Determine exactly where you will network to reap the biggest benefit for your time and money. There is nothing worse than networking to a group of people who are not a match for your product or services. To determine where to find your target market, it is necessary to define in detail your ideal customer. Once you have done this, it will be easier for you to determine where to find them.

2. Dress professionally for the event. If you are in doubt as to the most suitable attire for the location or the event, simply contact the host and ask. A good option is to dress conservatively and if undecided, dress "up" rather than "down". Logo shirts may or may not be suitable depending on the event.

3. Arrive at the location early and "walk" the room. Take ownership mentally of your surroundings then place yourself close to the registration table so you will have an opportunity to meet and shake hands with everyone who enters. It is far easier to greet people as they arrive than to single someone out or join a group already involved in a conversation.

4. Prepare your own name badge in advance and be wearing it when you arrive. Print your name in a large font that is easy to read and then slip into one of the plastic holders that either attaches with a pin or clip. If your budget allows, you can have one engraved. Always keep this with you so you can use it at other events as well.

5. Use the stick-on nametag to write something catchy or humorous and then place it just below your personally made badge. This actually draws attention as people pass by and their curiosity often will generate a great conversation.

6. Eat either before going or after you leave. Remember your purpose is to meet people and develop business relationships, NOT satisfy your hunger. There is nothing worse than trying to balance a plate of food, eat without spilling it and always be wondering if you have food lodged between your teeth. You will always need one hand free for handshakes and receiving and passing business cards.

7. Whether you are uncomfortable initiating a conversation or not, break the ice by asking the people you meet at least five questions about themselves or their business that you would also like for them to ask you. Remember, they begin to like us when our interest is about them. This is the smart start for building strong professional relationships.

8. When approaching others, it is easier to walk up to a group of three or more people and gradually enter in the conversation. When you walk up to only two people, you risk interrupting a conversation already in progress.

9. Ask permission to give someone your business card before automatically giving it and assuming they want it. This gives more value to your card when they agree to accept it. Ask for their card before they have an opportunity to give it to you. A tip is to keep your business cards (and a slick pen to write notes) in your right pocket and the cards you receive in your left pocket. This way you will be less likely to pass out someone else's card thinking it is yours.

10. Make brief comments on the back side of the business cards you collect. Others are generally impressed that you are taking notes. This will also jog your memory when you follow-up with them. Make it a point to always learn something unique about them or their business. Always write on the front of the card the date (including the year) and the type or location of the event.

11. Follow-up, follow-up, follow-up. After the event is over, read through all of the cards you have collected and determine which ones (or maybe all) warrant your time in following up. At the very least send an email, post card or handwritten short note thanking them for sharing their time with you and your desire to remain in contact with them in the future. For the leads with the most potential for future business, call the following day to schedule follow-up meetings.

Transfer your balance to Chase Perfect Card^®

In its simplest definition, home equity loan means using your house equity as collateral in order to borrow money. Collateral means your house will act as a guarantee. In the case if you cannot pay the loan or defaulted too long on payment, the lender has the right to sell the house to get back the loan.

The word equity simply means how much the house is worth minus the mortgage you currently owe.

There are two types of equity loan

1) Home Equity Loan

A home equity loan is a one off lump sum of money when you take up a loan. Usually, the loan period is between 5 to 30 years and the interest rates are fixed. The payment amount per month is fixed as well.

2) Home Equity Line Of Credit

A home equity line of credit allows you to borrow a fixed amount of money for the life of the loan. You do not need to take a lump sum loan at once since you can withdraw any amount of the loan when you need it. In a sense, it works like a credit card.

The interest rate for a home equity line of credit is variable and will rise and fall during the loan period. Payment per month depends on the total sum loaned, the interest rate and whether your credit is in the payment or draw period. During equity draw period, you can decide whether to pay the principal loan amount or the minimum payments to cover the interest.

For equity line of credit, the loan period is usually shorter than home equity loan. Usually, it is between 5 to 15 years. During this loan period, you will not be able to increase the loan or repay the balance left in the loan. Do note, there is usually a minimum amount whether you decide to withdraw some money from the loan.

As you see, an equity loan line of credit has greater flexibility compared to home equity loan. However in both cases, if you decide to sell the house before the loan is fully paid, you are required to pay the balance immediately.

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.