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Balance Transfer to Chase Platinum Visa Business Card Chase Platinum Visa® Business Card


Chase Platinum Visa Business Card
Intro APR: 0%

 Issuer: Chase Manhattan Bank
Manage your business expenses with the

Chase Platinum Visa® Business Card.



From everyday spending to unexpected needs - choose the card that can save your business money and improve expense management.

Save with 0% APR
for up to 6 months on purchases and balance transfers*

Free Online Reporting
Quarterly reports enable you to monitor your business spending.

No Annual Fee

Platinum Business Benefits
Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and up to $1,000,000 Travel Accident Insurance.

Visa Business Partner Advantage
Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.





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Most student loan programs give new graduates from six to nine months before they have to begin paying back the debt. That helps people new in their careers find jobs and begin getting used to paying monthly expenses. However, sometimes that time is not enough and if students don’t know how to deal with this situation their credit report may end up ruined.

Credit Score and Loan Repayment

How student loans affect the ability to get credit can vary. Loan repayment can affect a credit rating in a negative or a positive way depending on how well the loan is being repaid. The key to repayment is time and quality (meaning that you pay the installment in full and not partly)

If the loan is being repaid on time, a student loan is actually establishing a good credit history. Once a person has paid a year or two on time, they may even be able to qualify for a car loan or other loan, even if they don't have revolving credit accounts or didn’t have any previous credit history at all.

If the new graduate had trouble finding a job and was forced to be under-employed or unemployed, there could be a problem. When a student loan becomes delinquent or goes into default, credit history can be greatly affected. In some cases, professional licenses can be revoked if the debtor doesn't repay the loan. Even doctors and lawyers have been known to default on student loans.

If you have missed some student loan payments, be sure to check to see if your positive repayment history is correctly reported by all three credit bureaus. If you find that it isn't being reported correctly, ask your lender to do it. Since late payments and missed payments drop your credit score, once you recover from your financial problems and start paying on time you want your payments to be reported so as to recover your credit.

Income Is Also An Issue

But even when a repayment history is good, a large student loan debt may have creditors taking a long look at your debt ratio. A home or vehicle may be out of reach for quite awhile if your student loan, rent and other credit obligations are above two-thirds of your salary. Even if you're keeping expenses down and don't have a lot of credit obligations, if the principal balances on the student loans haven't changed much, you'll have a harder time getting credit. Worse is if the balance is getting larger. That happens when you've taken forbearance on the loan. Accruing interest on the forbearance adds to the outstanding balance and increases the overall debt. What you need to do is to pay your student loan on time every time to build up good credit as far as possible.


  • Transfer your balance to Chase Platinum Visa® Business Card

  • As elementary as it may sound, no matter how much money you make, you still need to find ways to hold onto it. There are many small steps to take that will add up to big savings in the end. If you value the assets you have accumulated, or if you feel you should be accumulating more, take this advice and make some minor changes.

    Firstly, take a look at your life insurance policy. If you have no children or grown children or if you are no longer married, then you make want to reassess your need for life insurance. The whole purpose of a life insurance policy is to safeguard the people you are leaving behind such as spouses and children. If you have no spouse and your children are self-sufficient, it is unnecessary.

    Keep your car. You paid it off, you deserve it! Most people feel that once the car loan is paid, they need to go ahead a get a new car with a new car payment. It is wise to keep the car you now own for at least a few more years, ideally three or four. Smart savers will even bank the money they were using for their car payment since they are used to paying it monthly. In a high interest savings account, that money will grow before your eyes.

    Pay off the plastic! High credit card balances are the downfall for many consumers. With huge interest rates averaging 15%, large balances will steal your potential savings. One solution is to shop around for a better rate. Many credit card companies will offer a lower interest rate for balance transfers. Simply locate the card with the lowest interest and transfer your big balance. One important thing to remember is that paying down that card will save you lots of money in the long run. It is simple, the longer it takes to pay down the balance, the more interest will fly out of your pocket. What good is paying interest for you? No good at all. By paying interest you are shelling out money to the credit card company because of poor planning in paying off the balance so make those payments!

    Yet another way to save your earnings is to raise your homeowners and car insurance deductibles. Although it is wise to consider how much you will need to dish out in the case of a claim, a higher deductible will save you money on your monthly payments. Look at it this way, a monthly payment is a guarantee, but a claim is not. As always, stay cautious and never think that you are exempt from claims, but raise that deductible anyway. In the case that you must file a claim, a $1000 deductible will hurt more than $500, but you can save up to 20% yearly in monthly payments by hiking that deductible.


  • 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.