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Balance Transfer to Chase Perfect Card Chase Perfect Card®


Chase Perfect Card
Intro APR: 13.99%

 Issuer: Chase Manhattan Bank
Perfectly Rewarding
Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
  • Perfectly Rewarding
  • 6% rebate on all gas purchases made at any gas station for the first 90 days.
  • After that, you'll earn a 3% rebate on all gas purchases.
  • Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
  • 0% Introductory APR* on balance transfers
  • All the rebates you earn are automatically credited towards your future purchases
  • Worldwide acceptance
  • Generous credit line
  • Automatic Travel Accident Insurance
  • Purchase Protection
  • No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
With the Chase PerfectCard you earn a 6% rebate on all gas purchases made at any gas station for the first 90 days. After that, you'll earn a 3% rebate on all gas purchases. And when you use your card at... a department store... your favorite restaurant... the dry cleaners... grocery stores... or anywhere else you shop, you earn a 1% rebate. Plus, your rebates are automatically credited toward any future purchases made with your

Chase PerfectCard. The payoff for you is fast and easy. With the Chase PerfectCard, you don't need to go out of your way to earn your rebates. Simply use your card everywhere you go.





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Using a credit card means that you have an easy payment option for many purchases, but it important to keep in mind that credit card spending is the number one cause of consumer debt. Credit cards are meant to be used when a customer has no immediate funds for the purchase they desire. In order to make their money, credit cards companies charge high interest rates that begin to accumulate the minute you make a purchase. If you happen to miss a payment on your card, the interest begins to add up and in no time, you can find yourself in debt up to your eyeballs. In order to get out of the financial quicksand, consumers must change their own habits and often also apply for credit counceling.

One of the best strategies in controlling your credit is to make payments as soon as you can on the balance owed on your credit card. Credit card payments can be made much more than once each month; if you have particularly high rates and debt then it is advisable to make a payment much more regularly. These small weekly payments will be easier than a big lump sum, and each payment will reduce the amount owed, which means lower interest charges.

Serious debt trouble may mean that you have to consult an organization such as the Consumer counceling Center of America. The CCCA is a non-profit organization that is set up in order to help people pay out their unsecured debts such as those incurred by credit card spending, medical bills, and loans. It is vital to note that the CCCA is different than a consolidation company. Credit consolidation through these companies occurs when a company extends the consumer a credit loan which is used to pay off existing debt. The CCCA simply uses credit consolidation to negotiate a better interest rate with the people whom you owe money to.

The CCCA operates by taking a certain amount of money from the client each month, which is then used to pay off various creditors. Through this and other organizations, people who have found themselves in debt find that they gain a little more peace of mind as collection agencies stop calling them, payments stay current and individual accounts stay updated. Another huge benefit is that as someone else is handling the payment structure, the client will avoid the downfalls of late payment charges and delinquency fees.

It is important that people realize that applying for debt consolidation loans is not always the best way to go about paying down their fees. Institutions which offer these loans will always ask for collateral, and if you mortgage one of your assets it will be auctioned if the loan is defaulted upon. As with many problems, self-discipline combined with professional help is the key.


  • Transfer your balance to Chase Perfect Card®

  • It is a common occurrence that mortgage applications are refused because of simple mistakes. Here are some of the most common traps people fall into when looking for a mortgage loan. Take some time to digest them; you may well end up saving a small fortune on your mortgage.

    Unsure how much Deposit to Apply - The more money that is put down or used as a deposit for house purchase, means the less risk for the lender so invariably interest rates are cheaper. Don’t over-stretch yourself too much though and stay within your financial means.

    Mortgage Broker Track Record - It is well known within the mortgage industry that most mortgage loans fail to go through. Ask your mortgage broker about their past performance and track record and if they provide any guarantees.

    Lacking Understanding of the Mortgage Process - Obtaining a mortgage loan is not something we do everyday and can be forgiven for not fully appreciating the processes involved. Try and work as close as you can with your mortgage broker who should be able to take the time to explain the issues in layman’s terms and answer any questions you may have.

    Limited Option Lenders - Not all lenders will be able to offer a full range of mortgage products. Before working with a lender try and ascertain if they can meet your needs beforehand. Better still, work with a mortgage broker who will have many lender contacts and will be able to guide you to a lender that meets your needs.

    Undertaking Big Purchases / Commitments Prior to Your Mortgage Loan Application - People can be forgiven for thinking that it is best advice to get large purchases out of the way before committing to a long term mortgage. However, total debt relative to income is a key ratio when lenders are assessing applications and it is probably best therefore to leave such expenditure until after your mortgage has been agreed and drawn.

    Analysis Paralysis - We all would like the best interest rate possible and this should be your goal. Bear in mind that every application you make to a lender will result in a credit check; too many of these will affect your credit rating. A mortgage broker will be useful here as with their inside knowledge of the market and the lenders they have on their books will negate the need for processing applications purely to establish interest rates.

    Hiding the Facts - Many people have experienced financial difficulty at one time or another. The temptation is to hide such facts from your broker or mortgage loan lender but they are there to help you obtain your mortgage and these difficulties can be overcome, especially if they are known upfront and do not subsequently come out of the woodwork.

    Late or Bad Payment Record - A bad payment record, especially within the previous year can have negative effect when trying to get the best mortgage loan terms and interest rate possible. Indeed, it could easily lead to a refusal of your request for mortgage finance. Obvious advice but, keep on top of your finances and pay bills in a timely manner.

    Excessive use of Credit Cards - You should aim to keep your total debt as minimal as you can if you wish to obtain a mortgage loan on the best terms. Keep credit cards balances as low as possible or better still, pay off the balances.

    Failure to obtain all the Detail - Before finally committing yourself to a mortgage ascertain what the total upfront, closing costs and any ongoing costs are going to be. A difference of a fraction of a percent when comparing lenders does not look significant but will have a massive effect over the term of the mortgage loan. Obtain all the relevant facts and there will not be any nasty surprises awaiting you!


  • 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.