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Balance Transfer to Bank of America Financial Rewards Visa Platinum Plus Bank of America Financial Rewards® Visa® Platinum Plus®


Bank of America Financial Rewards Visa Platinum Plus

Intro APR: 0%

Issuer: Card issued by FIA Card Services, NA.

EARN POINTS FOR CASHBACK with the Financial Rewards® Visa® Platinum Plus® Key benefits * Earn 1 point for every $100 you spend in net purchases per billing cycle (up to 600 points per calendar year) * Receive 5 bonus points after your very first net retail purchase * Receive another 5 bonus points for every $2,500 in balance transfers per billing cycle (up to 25 per billing cycle) * Points don't expire for five years * When you redeem, one point equals one dollar * Receive your rewards in the form of a check written directly to you or a direct deposit made to your Bank of America checking or savings account Pricing * No annual fee * 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) * After your introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 5.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment * All payments you make will be applied to lower rate balances first * No balance transfer fees Platinum Plus benefits * Online Banking service*** * Total Security Protection®, our free package of security features, including zero liability from unauthorized card use*** * Travel and emergency assistance*** * Automatic auto rental insurance*** * Purchase Replacement*** * Purchase Guard*** * Cash advance checks at no extra charge*** * Additional cards at no extra charge




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For those out there who believe that going on vacation is only to offer yourself some time to relax and be entertained, allow me to rectify your misconception. There are at least three reasons why you should vacate and have to do with keeping your physical and psychological state fit.

Experts state that going on vacation should not be considered a luxury, since it is actually something your body and mind desperately need in order to continue functioning as you expect. Since the ancient times, people have realized the importance of staying healthy and fit by temporarily stopping their working habits and letting their bodies and minds relax. The human organism needs a period to recuperate from the stress and anxieties of the fast-paced living standards we all experience today and reactivate its senses by exposing them to a variety of stimuli. But most importantly, our bodies and minds need time to "heal" from the damages and discomforts we have been causing to them during the year by not exercising enough, eating junk food and sleeping less.

The fact that your body will be able to move again, is essential to your overall well-being. Humans who are classified under the homo erectus category, due to their bodies vertical posture in relation to the ground, have over the years been transformed to a new type of sitting mammals that stand up only to visit the bathroom or change their position from the chair or couch to the bed and vise versa. On the other hand, when an individual vacates to a place other than his or her home, is going, in most cases, to remember how it feels to stand in order to perform different activities such as walking, bicycling, swimming, hiking, discovering, exploring. By moving again, the body's fitness level improves and the person feels and is in a better state of health. Usually, people that have been examined before leaving and after returning from their vacations have increased their fitness levels by 30 percent as their cardiovascular and immune systems have dramatically improved. In fact, according to researchers, the person that vacates comes back in a much better physical shape, as chronic problems like constipation seem to disappear. Although the cause is probably more psychological than physical, since during summer vacations people tend not to watch their diets, the human organism in general reacts positively to the outdoor experiences, the change in scenery and the fact that fatigue may come from having fun instead of being worn-out by over-work.

This lower stress level when combined with some quiet can work miracles to the human stamina and increase the positive outcomes of being able to sleep comfortably and continuously. Having the opportunity to relax, perform the activities of their choice and keep their hormones in balance due to natural light, people are able to enjoy a good night's sleep and at the same time increase their efficiency and productivity levels. Of course, the fact that people find time to converse, bond, and generally come closer to one another, helps their psychological state improve and become able again to enjoy the outcomes of a healthier and more balanced personal life.

Additionally, vacating increases life expectancy. Yes, it is true. According to the World Health Organization, the pollution and the difficult urban conditions one has to endure throughout a year are the main cause of death for five percent of the modern cities' mortality rate. Thus, one can assert that the next you are going to vacate you should not feel embarrassed to announce it to the rest of office or to your friends. It is, after all, your right and most importantly you owe it to your hard-working self.








  • Transfer your balance to Bank of America Financial Rewards® Visa® Platinum Plus®
  • Credit cards are often taken for granted. Can't afford something right now? Just charge it!

    Significant credit card debts can pile up in as little as a year with careless credit card spending. Before you know it, the interest rates go up and you are in a situation that you can't find a way out of.

    But don't call it quits just yet. There is always a solution to financial trouble.

    The easiest way to get out from under credit card debt is to pay off your balance before you charge anything else. But if you were good at that, you wouldn't be in this situation.

    Credit card consolidation is often a great help when things start getting tight. It is a way to consolidate your debts onto a lower interest rate card. This means that you have a lower payment, so when you pay extra, more is going to the principal balance. You are able to pay the debt off quicker.

    Keep in mind that consolidation is not getting rid of your debt. It isn't freeing up your credit to use. It is simply moving it so that you can pay it off faster.

    Through consolidating to a lower interest credit card you will save money. But only if you pay it on time. If you don't, your interest rate will jump right back up there. And you probably won't be able to find a card to take you to consolidate again.

    You should avoid applying to multiple cards in hopes of finding one that will take you. Choose your cards wisely before you apply. Inquiries to your credit report will lower your credit score. If you are looking for a good credit card at a good rate, you want that score as high as possible.

    When transferring balances between credit cards, you should carefully read the terms in relation to transferred balances. Many cards offer great teaser rates, such as 0% interest for six months, on transfers because they want you to come use their card. Pay attention to what the rate will be after the introductory period.

    This period is great. It really allows you to knock off some of the debt, if you take advantage of it. But remember, if you charge any new purchases to the card, your payments will go towards them first. They break it up to make more money off of you. They don't want you paying zero interest. They want to make money.

    In consolidating your credit cards, you need to stop acquiring new debt. One of the largest disadvantages to consolidating credit cards is that too many people consolidate and then re-max out the old cards. Now they have double the debt. Transfer your balances and cut up the old cards.

    This is a chance to start over and get these debts knocked out just a little bit faster. Don't blow it. Use it to your advantage. Consolidation can be a great help. But be sure that you understand that you are paying off your debt, not getting more credit.


  • 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.