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Balance Transfer to Choice Privileges Platinum Visa Card Choice Privileges® Platinum Visa® Card


Choice Privileges Platinum Visa Card
Intro APR: 1.9%

 Issuer: Card issued by FIA Card Services, NA.
APR (Purchases): Intro Rate - 1.9% for six billing cycles. Goto rate is variable risk based rate between Prime + 9.99% and Prime + 13.99%
APR (Balance Transfers): Intro Rate - 0% for six billing cycles. Goto rate is variable risk based rate between Prime + 9.99% and Prime + 13.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
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: 2 points per dollar
  • Points per Dollar spent at Choice Privileges locations: 15 points (2)
  • Points Expiration: Points earned in a calendar year will expire on Dec 31 of the second caelndar year following the year during which the points were earned.
  • Yearly Limit on miles you can earn: None
  • Bonus Miles: 6,000 points at first purchase
  • Redeem points towards free nights, airline miles, gift certificates.

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
(2) 15 points per dollar is based on 10 points per dollar earned through Choice Privileges membership for eligible stays plus 5 points per dollar earned when paying for stays with the Choice Privileges Visa Platinum card linked to the same Choice Privileges membership.





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If you're in debt, then you know exactly how stressful it can be - it can rule your life. If that's the situation you're in, then debt consolidation may be an answer. Debt consolidation can help reduce your financial stress and help you to get your finances back in order. If you’re interested in learning about debt consolidation, there are plenty of places to find out more. Once you know how to go about fixing your debt problems, you can start moving towards a more financially secure life.

One of the big problems with having lots of debts is trying to make sure you don't miss any payments. One of the main reasons for debt consolidation is to take all those little monthly payments and roll them up into one big monthly payment. Basically, you get a loan that you use to pay off all your smaller, high interest debts. Depending on your situation, the loan may be either secured or unsecured. This will be determined by your level of debt and your credit score. Either way, it's an important first step to getting your financial affairs in order.

Unsecured Loan

There are different types of debt consolidation loans. If you don't have any collateral to secure a loan, then you will be given an unsecured debt consolidation loan. You then use this to pay off all your outstanding debts. This can be a good option, because it means you don't have your home or car tied to the loan, so if you default, it's less likely that you can lose them. However unsecured loans are generally limited to lower amounts because of the lack of security.

Secured Loan

If you have some collateral to secure your loan, then you will be able to get a secured debt consolidation loan. Generally lenders will use your home or car as security, or in some situations another type of personal property if it's valuable enough. Basically, the banks use your collateral as a guarantee to make sure you pay your payments on time. Generally you get a lower interest rate if your loan is secured, and you will be able to borrow a higher amount with security.

If you're interested in pursuing a debt consolidation loan, there are lots of places where you can find out more. Talk to your bank or other lenders in your area, and they will be able to answer your questions about debt consolidation. Generally, banks and lending agencies have experts in debt consolidation who can give you some input about the right choice of debt consolidation loan for your situation. You can also read lots of information about debt consolidation on the Internet. There are plenty of sites with good information about debt consolidation.

Trying to determine whether debt consolidation is a good option for you isn't always easy. But as a general rule of thumb, if you're finding that you're struggling to make your minimum monthly payments on time, you could find that debt consolidation will be a great help. Take a look at what you're paying, and see whether your debt balances are going down or are just staying the same because of the high interest rates. Generally, though, if you've reached the point where it all just seems to hard, then debt consolidation may well be the answer you're looking for.


  • Transfer your balance to Choice Privileges® Platinum Visa® Card

  • Bad credit stains on your credit report will obstruct approval for a vehicle loan but there are ways to overcome these obstacles. Even after default vehicle loan approval is feasible as long as you provide the lender with some certainty as to loan repayment. This can be achieved by different means:

    Improving your Credit Score

    Your credit score is at this point, the source of your finance problems. Thus, you should attack the source as soon as possible to deal with its effects. Raising your credit score is not that difficult, you need a bit of discipline and some knowledge on how it works. You can start by budgeting and controlling your income and expenses.

    Avoid paying late or missing payments, pay more than the minimums on your credit card balances, get small loans of a couple of hundreds and repay them on time. All of this will contribute to create a clean and positive credit history that will reflect on your credit report as a raising tendency.

    Saving for a Down Payment

    An excellent way of making sure that you’ll get approved for a Vehicle Loan is to save enough money for a significant down payment. 100% financing can be really appealing, but in order to get approved for such loans you have to possess a good or perfect credit history. Saving 20% of the purchase price will show the lender that you have the ability to afford the loan’s monthly payments with ease.

    You may have to make sacrifices in order to save enough cash to put 20% of the price down. However, this will probably guarantee that you get approved for the loan you seek. Thus, it’s well worth the trouble. Never resort to a personal loan in order to raise the money for the down payment as this will be recorded into your credit report affecting your credit history and your chances of getting approved.

    Applying for a Home Equity Loan

    If you still can’t get approved, and if you are a homeowner, you can seize the benefits of the equity on your home and request a home equity loan. These loans provide a very cheap source of finance and since the property is securing the loan, the lender has less credit requirements.

    The only requirements you will have to meet are a basic credit stance with a couple of months of good credit behavior, sufficient income to afford the monthly payments and all the documentation of the asset necessary for requesting the loan. Getting approved for a home equity loan is far easier than other types of loans and will provide all the money you need.


  • 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.