Credit cards have indeed prove to be an indispensible tool when it comes to managing finances these days. Apart from being an easy and best way to obtain credit the credit cards have also made life easier for us on spending the money the ideal way. This is one reason we should be paying more attention in getting the right credit card by making the right decision.
Chase credit card is one of the most popular and widely used credit brand at the moment. Just like other any other credit cards these Chase credit cards is the brand name very similar to that of Visa or Mastercard that is widely accepted worldwide. Apart from the Chase credit card, they also offer cards like student cards, gas cards, and travel cards. There are different ways in which these Chase credit cards can prove to be of more advantageous as well as convenient. The most important feature that the Chase credit card offer is for the working and busy people in which it offers convenience to use. These Chase credit cards are also ideal for those who are very comfortable being online. Apart from the option of maintaining an account online these credit cards also makes it easy for you to pay bills, check balances in a secure manner.
It is indeed convenient to have the Chase credit card because it helps the buyers in purchasing products easily and faster even if they are buying it from the store or online or even through phone. Since being an international card, it would ideally be best suited for those who are travelling a lot and can used across the world wherever the Chase credit card is accepted.
Since it offers various processing alternatives, more people are inclined towards Chase credit card to own them. And they also offer different range of processing options, most are appreciating it when compared with any other branded credit cards. One important offer is that it is accepted widely across the country. They also offer various offers like membership fee waival, low APRs and thus helping the customers to save some money.
There some variety of Chase credit card which offers various types of rewards program for all the purchase that one makes. One type of Chase credit card lets you earn in travel miles for every penny you spend on that card while another type lets you earn in terms of rewards points for the spends you make on it. These travel miles can be utilized on air travel or hotel bookings, etc. While the rewards points can be redeemed for buying gifts from their exclusive catalogue for free. These rewards points surely come handy for you since you get special gifts and rewards just using your credit card for your shopping and travel needs.
Chase credit card is famous for its customer service. Apart from the benefits described above you also get exclusive 24 hours customer service. You can use this service for all your credit card related queries or issues any time of the day 365 days a year. You also get the protection from identity theft.
When you are applying for a Chase credit card you also get the offers like 0% APR for your purchases for a limited period and can transfer funds from other banks at no or low interest rate for limited period. There is also no annual fees for the Chase credit card and hence making it the ideal card for you. You also get the interest free period if you are making your full payment every month which can be an added advantage for your financial needs.
Apart from the above features you should remember that it is in fact a credit card and should know very well on how to use it to get the maximum benefit from it. You should manage it well in such a way that you are not get stuck in credit card debt in the future.
Business credit card is the most underestimated among the whole variety of credit cards available right now. Because of its complications to use these business credit cards are so well widely used among the regular users other than the business executives and business owners. If used wisely, these business credit cards can in fact proved to be very helpful despite its high interest rates as well as having more requirements to get it.
Business Credit Cards?
These business credit cards are mainly used by the business people. When you just compare these business credit cards with that of the regular credit cards they come with higher limits as well as with low interest rates. Apart from these simple benefits the business credit cards also comes with many other additional benefits.
The main target for these business credit cards are the business men and those who are intending to start a business, they can really come handy and helpful for those small businessmen. They help in cash flow by means of payment extensions for the budding entrepreneurs. One of the major advantage of such credit cards apart from being a dependable card, they give a detailed report as well as giving high quality customer service to its users.
Apart from providing very less interest rates and higher limits, these business credit cards can give you different credit options as well as alternatives for the small businesses. These credit cards also cater bigger companies that are programmed to help those people that are planning to start their own business as well as to help it grow.
It would really be very useful for those who go to the bank and get all their queries answered when they are applying for a business credit card. Since the businessmen who are mostly on the go, to aid them to apply for the credit card the credit card company offers the easy option of applying for it through online. You don’t really need to visit the bank to apply for the business credit card. There is absolutely no need to be in the queue to get to the representative of a bank. Just when you are applying for the business credit card online, you can choose the option that is ideally suited for your needs in terms of small business or credit requirement even from your office or home. Apart from giving you the option of simple secure, and safe process which are made to help you get the features like online reporting and payment. You can even get customized logo of your business as well as the option instant cash can be availed online. Some business credit card even offer detailed and elaborate reporting for easy access and monitoring.
Some business credit cards also offer first year free fee and no limit on spending as well as nil finance charges option. They also offer a great and easy to access rewards program that would easily help the users to earn points on various usage of the credit card.
Today in India we have about 20 million credit cards and each of them boasts to be unique and claim that they have an exclusive clientele base. In such a scenario what makes the Life Insurance Corporation of India (LIC)’s credit card unique is the fact that it is being launched for the benefit of the policy holders. They aim to become one of the 1st insurance companies in India where the client will be able to pay for his/her own premium through the LIC credit cards. They aim at initially being able to provide these services to a select section of their HNI clients and to then extend it to others. In order to do this, LIC has entered into an agreement with Corporation Bank. They hold a 27% stake in the bank.
Earlier, LIC had planned to team up with GE Money but as their partnership did not take off, they decided to team up with Corporation bank. Like said earlier, the main aim of LIC for entering into the credit card foray is for the benefit of its existing policy holders but they are also aiming at being able to leverage on its large customer base and the wide distribution network that it comprises.
The LIC credit card that is planned to be launched very soon will be a white labeled, co branded card as a result of the joint venture between the Corporation bank and LIC. These cards will not be offered free of cost to LIC’s policy holders but a nominal fee will be charged for it. LIC aims at being able to provide value adds to its customers by offering services for free or for a very low price. They are also working towards a low interest rate of about 0.9% - 1% per month wherein most other cards charge 1.9%-2.2% per month. A wholly owned company called the “LIC cards services ltd” will be in charge of all the aspects of the credit card. The Corporation bank shall be extending its existing credit card facilities to LIC to enable use of both its Master and Visa card. By this joint venture they also aim at being able to leverage on the Corporation banks strong brand and wide branch, ATM and sales distribution network.
Time to pamper the customers! Citibank, with its new credit card ‘Platinum Select’ plans to do that. Citibank has tried to give a personal touch to card holders by giving special privileges like dining, shopping, recreation. Mumbai and New Delhi citizens are going to be the first ones to experience this new launch by Citibank.
Citibank is going to charge you 4000 rupees annually for this Platinum Select credit card. Let’s see, what it offers to you, customers. The card has low interest rates; good earn rates, improved security and fraud cover. The preferential privileges it offers to its customers are going to be much liked.
You can earn about five times the reward points on your purchases of apparel, and books. For redeeming the reward points, you can either have them converted to airline miles, or redeem it in-store from the rewards catalogue. You can also enjoy dining privileges at over 150 premium outlets; year round discount of 20%, complimentary beverages and desserts.
Talking about luxury, well…, as a member of Citibank Platinum Select card, you can even enjoy 50 % discount on buffet lunch at Taj properties for up to six persons at a time and 50 % discounted stay at Taj hotels on weekends. It also gives discounted access to you and your companion at 15 signature gold courses. There is something more; you can spend your weekends at swimming pools, spas, and health clubs of some of the best hotels. And if you are their top spenders then you can even enjoy services of a chauffeur- driven sedan and free tickets to a movie show at few multiplexes.
Industry lowest interest rates, dedicated priority service and enhanced fraud prevention features are few highlights of this card. You, as platinum Select card holder, can enjoy coverage of Rupees 50,000 for financial loss caused due to false use of card. The card also comes with built-in insurance of 1,50000 for house burglary, 10000 for passport loss on foreign travel and 40000 for loss or damage of items purchased.
