Visa credit card?

Question

Hi,

I'm thinking of getting a VISA/Mastercard Credit Card (Since for some reason, my bank always says I spent thin on this day and that on that day till I'm overdraft. But before I throw myself at the sharks waiting for my fingers to sign, I need to know what is a good APR, fixed, variable, etc? Any help will be greatly appreciated. 1st time. Thanks!

PS-Some sites offer gifts when you sign up, any good?

Answer 1

The Chase Platinum Visa Credit Card issued by J.P Morgan Chase has no annual fee and provides a good number of platinum card holder benefits. The card comes with a 0% intro APR for up to 12 months. The thing to be kept in mind regarding this APR is that the introductory rate period will largely depend on your review of application and credit history by chase. Depending on this assessment the introductory period can be either 12 months for purchases and balance transfers or 3 months for balance transfers only. In addition to this to get full benefit of 0% intro APR it is vital that terms and conditions listed with the Chase Platinum Visa Credit Card be followed carefully. These terms can greatly vary how your introductory rate is applied to existing balances. If you are good on your repayments and pay your balances in full before the due date the Chase Platinum Visa Credit Card doesn't charge you any interest.

The platinum benefits that come with Chase Platinum Visa Credit Card allow participation in chase fleixble rewards program. In this program cardholders can earn 1 point per eligible dollar spent. These points can be redeemed for gift cards, travel discounts, merchandise or cashback. The thing to watchout about the Chase Platinum Visa Credit Card reward program is that the reward points are not earned on fees for products that protect or insure the balances of the card member's account. If you use a travel agency service, you have to pay a 'mileage redemption' fee of $14.95. Read more from: http://www.credit-card-gallery.com/article/318,Things_to_watch_out_while_applying_for_Chase_Platinum_Visa_Credit_Card

Answer 2

Choose a card that doesn't have an annual membership fee, or any recurring fees. Based upon your credit rating at the time of your request the apr may range from 5% to 25%. You said this is your first time so brace yourself, expect a hefty apr until you establish a better credit rating.

Answer 3

It sounds like you're planning to use a credit card in place of a debit card, which is smart, but only if you pay the entire balance off every month. If you do that, then it doesn't matter what your interest rate is since most credit cards offer a 30-day grace period. Make sure to get something with no annual fees. Try chase.com.

Answer 4

Hi! Your rate depends on your credit score. I know of several options avail. just e-mail me if you want info. No I will not ask you for any personal information, but, I can point you in a good direction. [e-mail]