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Balance Transfer to Chase Business Rebate Card Chase Business Rebate Card


Chase Business Rebate Card
Intro APR: 0%

 Issuer: Chase Manhattan Bank

EARN UP To 3% CASH BACK ON YOUR BUSINESS PURCHASES AT:

  • Office supply stores
  • Home improvement stores
  • Gas stations
  • Hardware stores
  • Restaurants

MAKE YOUR BUSINESS EVEN MORE REWARDING WITH

Chase Business Rebate Card


Apply Now for the Chase Business Rebate Card and start earning cash back on all of your business purchases.
3% Cash Back** for purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
1% Cash Back on all other purchases
0% APR for up to 12 Months* on purchases and balance transfers
No Annual Fee
FREE additional cards for your employees, FREE quarterly reports, and other online account management tools to help you keep track of your business expenses

*Valid for introductory period so long as you comply with the terms of your account.
**Rebates are earned on card purchases only. Rebates are not earned on balance transfers, convenience checks, cash advances or fees.





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Apply for Chase Business Rebate Card

Even if you think you don’t need to or you know for sure your credit report reflects your real credit situation, it is always a good idea to request a copy of your credit report at least once a year (you can get a copy for free) in order to see where you stand and to plan ahead your actions to improve your credit situation.

What to Look For

The most common inaccuracies are: pending payments that have already been made, outstanding loans that have already been canceled and open accounts that have already been closed. Also, it is not uncommon to find loans wrongly informed. For instance, you may have requested a $10.000 loan and they might have informed a $100.000 loan.

Even though these are the most common mistakes, you should do a thorough examination and make sure there are absolutely no mistakes or inconsistencies on your credit history. A minimum discrepancy could motivate a decline in a loan or credit card application.

Fixing Credit Report Inaccuracies

When you discover an inaccuracy, the first thing you need to do is to make sure it actually is an inaccuracy. You may think that you didn’t miss a payment but you actually did. Or you may think you didn’t pay late but you just didn’t notice it. Get hold of any documentation in your possession that shows proof of the inaccuracy and make several copies.

The next step is to write a letter to the credit report agency telling them that you’ve found what you believe to be a mistake on their behalf and that you wished for it to be corrected. Tell them which negative information is inaccurate and ask them to remove it or correct it. Enclose to the letter all the copies (never the original) of the documents proving your claims.

The Credit Agency will check this info and if your claim is true, they’ll correct the information and send a new copy of your credit report to you. They’ll also send a written explanation of their investigation even if they conclude that there was no mistake on their side. You can always resort to legal means if you believe them to be wrong and they refuse to exclude the negative information.

Eliminating Accurate Negative Information

Only time can aid you in eliminating negative information from your credit report. Some stains on your credit history will remain for as long as 10 years (bankruptcy), others may only remain for a couple of years. What really helps improving your credit score and history is to maintain an impeccable credit behavior. Paying always on time, never missing a payment, reducing your debt exposure, paying your credit card balances in full whenever possible and at least the minimum payments the rest of the time are the best way to fix your credit. Then, it is all just a matter of time.


  • Transfer your balance to Chase Business Rebate Card

  • False:

    An impressive salary doesn’t translate into a good credit report or good credit score. It’s true that a lender will look at the amount of money you make to determine your ability to make your monthly payments on the loan but, that’s as far as it goes.

    Your credit worthiness is based upon your credit history, not your salary. Creditors use a FICO score to determine if you are qualified to get a loan, and at what interest rate that loan needs to be paid back at if you are approved.

    FICO scores range from 400 to 850 points. The higher your score, the lower your interest rate will be and the easier it will be for you to obtain credit. Here is how your FICO score is calculated:

    35% - Payment History – This is the bulk of your score but not the end all, cure all. If you just make timely payments, that doesn’t mean you will have a good score but it most definitely dramatically effect’s your score if you don’t.

    30% - Amounts Currently Owed – The FICO system takes into consideration the amount of existing lines of revolving credit you currently have.

    It calculates the percentage of available credit on those existing lines. For an example: You have 3 credit cards with $2,500 limits on each of them. That gives you $7,500 worth of existing credit. You currently carry $2,000 balances on each one ($6,000 total). Take the $6,000 and divide it by $7,500. You will end up with an 80% utilization rate and a lower score because of it. Most lenders like to see this utilization rate below 30% so, pay your existing debt down if they are above 50% to give you a better chance at getting approved for a new loan at a good interest rate.

    15% - Length of Credit History - The system will take into consideration the length of time you have had your existing lines of credit.

    The older the account the better rating it gets (as long as it is in good standing). The longer you’ve been paying your bills responsibly and on time, results in a good track record that lenders will feel comfortable with in giving you those “big ticket” loans; home, auto, etc. It will also translate into a better interest rate for you, saving you thousands of dollars in the long run.

    10% - New or Recent Credit Lines Opened - Don’t be too quick to open or apply for so many credit cards or loans at any given time. It can indicate to a lender that you are desperate and in dire need of a credit line. It also can result in multiple lenders pulling your credit report in a short period of time. These inquiries also affect your credit score.

    You can pull your own credit reports anytime you want to and that will not affect your score.

    10% - Types of Credit Cards used - Contrary to popular belief, a debit card with the Visa or MasterCard logo isn’t a credit card and does not help your credit profile. The FICO system calculates revolving credit cards (Visa, MasterCard, Amex, etc.), department store credit cards (JC Penney, Mervyn’s), Automobile Loans, Mortgages. Each type of line of credit has a different value assigned. A good payment history on a department store card doesn’t have the same weight as someone who is making payments on a mortgage or auto loan.

    So, how does your FICO score translate into the interest rate you can expect on a loan (if you qualify)? Here is an example using a $216,000 30-year, fixed rate mortgage:

    760 - 850 5.74% $1,260
    700 - 759 5.97% $1,290
    680 - 699 6.14% $1,315
    660 - 679 6.36% $1,345
    640 - 659 6.79% $1,406
    620 - 639 7.33% $1,486

    As you can see, a person with a FICO score of 620 will pay an additional $226 per month on the same loan that someone with a FICO score of 760 has. That translates into an additional $81,000 in interest payments over the life of the loan.

    To learn more about your options and managing you debt, log onto www.debtreliefoptions.com.

    Jon Noble
    Staff writer
    Debt Relief Options
    asktheexperts@debtreliefoptions.com


  • 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.