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Balance Transfer to GM Business World MasterCard GM Business World MasterCard®


GM Business World MasterCard
Intro APR: 0%

 Issuer: Chase Manhattan Bank
IT'S BETTER THAN MONEY IN YOUR WALLET.
What do you spend to run your business? Put your "must-spend" money for expenses including office supplies, restaurant tabs and gallons of gas to work earning your next GM vehicle. With no limit on what you can earn or redeem, and no annual fee, the GM Business Card from Chase is designed especially for you and your business.

GM Business Card from Chase

  • Get 3% Earnings1 on fuel purchases at the pump, at restaurants, office supply stores and at authorized GM Dealers on GM parts and service.
  • Get 1% Earnings1 on ALL other credit card purchases.
  • No Caps, No Limits - Unlike most other reward cards, there are NO caps placed on Earnings and Earnings are not limited to specific GM vehicles. Your Earnings are valid for 5 full years and can be redeemed toward the latest Chevrolet, GMC, Pontiac, Buick, Cadillac, Saturn or Hummer vehicles.
  • Accelerate your Earnings with free cards for each of your employees.
  • Get a $600 statement credit every time you purchase or lease an eligible new GM vehicle though the GM Business Choice program.1
  • New online tools deliver vital business management capabilities including the ability to manage financial data, set email alerts, conduct spending analysis, manage changes to your account and download reports.
You've built your business, you deserve to reap the rewards.




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Apply for GM Business World MasterCard®

Get Your Credit Report & Analysis It is very important to get your credit report and analysis. Why is this important? For one thing, if you're thinking about buying a house or applying for credit for any other big purchase, you'll need a clean credit report, and it's always best to get your credit report and analysis before your lender does. This will give you an opportunity to clean up any discrepancies or errors, which are fairly common, and which can throw a monkey wrench in the works if not resolved. Ideally, you should get your credit report and analysis once a year with each of the three credit bureaus: • Bills can get them all – /creditreport • Equifax – (800) 685-1111, Trans Union – (800) 888-4213, and • Experian (888) 397-3742, entitled by law to get your credit report and analysis for free from each of these three credit bureaus once a year. You can get all three at once or spread them out over the year. If you get your credit report and analysis more frequently than that, each report will cost no more than around $10 and in some states considerably less. If you've been turned down for credit in the last 60 days because of something a lender saw on your credit report, you can get your credit report and analysis free of charge. Lenders are required by law to notify you of this right if they deny you credit. When you get your credit report and analysis, review them carefully to make sure all the loans and credit accounts listed really belong to you, and that all the accounts listed as open are actually current loans or balances. If a loan you've paid off or a credit card that was cancelled is still listed as open, contact the credit bureau and ask for your credit report to be corrected. What Is the Range of Possible FICO Credit Scores and What Do They Mean? FICO credit scores range between 300 and 850. Ratings are as follows: ~ Excellent: Over 750 ~ Very Good: 720 or more ~ Acceptable: 660 to 720 ~ Uncertain: 620 to 660 ~ Risky: less than 620 How Is My FICO Credit Score Calculated? The formula used to calculate your FICO credit score includes information based on several factors: ~ 35% on your payment history ~ 30% on the amount you currently owe lenders ~ 15% on the length of your credit history ~ 10% on the number of new credit accounts you've opened or applied for (fewer is better) ~ 10% on the mix of credit accounts you have (mortgages, credit cards, installment loans, etc.) In general, when people talk about “your credit score,” they’re talking about your current FICO score. But in fact there are three different FICO scores developed by Fair Isaac—one at each of the three main US credit reporting agencies. And these scores have different names. WILL YOUR SCORES BE DIFFERENT? FICO credit scores range from about 300 to 850. It’s important to get your credit report and analysis so you can understand what your FICO score is. Fair Isaac makes the scores as consistent as possible between the three credit reporting agencies. If your information were exactly identical at all three credit reporting agencies, your scores from all three would be within a few points of each other. But here’s why your FICO scores may in fact be different at the three credit reporting agencies. The way lenders and other businesses report information to the credit reporting agencies sometimes results in different information being in your credit report at the three agencies. The agencies may also report the same information in different ways. Even small differences in the information at the three credit reporting agencies can affect your scores. Since lenders may review your score and credit report from any of the three credit reporting agencies, it’s a good idea to check your credit report from all three and make sure they’re all right. Usually when you get your credit report and analysis from the credit bureau it will include a form for reporting any inaccuracies. Give as much detail as possible, and if you have documents that back up your claim, provide copies. By law, the credit bureau must investigate your credit report claim, but even if they decide your credit report is accurate as it stands, you should continue to try to correct the report by writing a letter explaining your side of the story (not to exceed 100 words), which the bureau is required to provide to anyone requesting your credit report. When deciding whether to approve credit, lenders take the following into consideration: • Your payment history--do you pay bills on time? • Have you had a bill referred to a collection agency? • Have you ever declared bankruptcy? • How much debt do you have outstanding compared to your credit limits? The closer your debt is to your credit limit, the less favorable. • How long is your credit history? If you haven't had much of a credit history yet, prompt payments are even more important. • Have you applied for more credit lately? Too many applications for credit has a negative impact on your chances for approval. • How many credit accounts do you have? Too many is considered a negative. Information is retained in your credit report for up to seven to ten years. When you get your credit report and analysis, if you have negative items in your history, you can gradually repair your credit by consistently paying your bills on time from now on, paying down your balances, and not taking on any new debt. Lenders will take your improved record into consideration when deciding whether to approve credit, especially if you've been paying on time for at least a year.







  • Transfer your balance to GM Business World MasterCard®

  • Having a reverse mortgage calculator will help you calculate the mortgage installments rooted on your current financial situation. There are many sorts of reverse mortgage plans, such as HUD reverse mortgage for seniors, household equity conversion mortgage, etc. For HECM reach the Federal Housing Administration for a list of approved bankers. Some sites on the internet provide free information kits along with cost calculators depending on what you are looking for.

    Reverse mortgages are becoming a good deal more appealing in the United States, Australia, and other parts of the world as well. They are a special kind of piece of real estate loan that allows the mortgagees to take what equity they have in their property and transform that into cold hard finances. In a time of skepticism, this helps older consumers have more interest leeway to supplement anything they get from social security, pay for medical circumstances that arise, as well as use the money to make improvements to their house along with a host of other positive uses.

    Mostly those who use reverse mortgages are 62 and over and only have a small part of their mortgage balance left to pay off. The tinier the balance, the even better the chance one will be qualified for this program. Now I am currently addressing Housing and urban development's reverse mortgage program. Being accepted into the service allows you to borrow against equity on your property. This financing can be attained on a monthly or lump sum basis with a fixed term for the duration of their lives. Restructuring is available depending on circumstances that may call for it.

    HUD reverse mortgages differ from the run-of-the-mill household equity loans in that they do not have to be repaid (as long as certain stipulations are met). lenders can recover the principal along with interest when the residence is finally sold off. The remaining value of the piece of real estate after the sale will go the mortgagees or to one of their survivors.

    Estimate how much money you can acquire from this course by using a reverse mortgage calculator. There are many factors that come into play and so this is perhaps the best way to get started with the over-arching system.


  • 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.