Review and Apply For Chase Credit Card Offers
Chase offers a variety of credit cards to fit your needs. Each card has something different to offer and when you use this site you will be able to compare the cards that are available and find the one that is right for you. Chase strives to make sure that their customers have plenty of options because they understand that everyone has needs that are different and the goal is to find a credit card that is going to work best for you. The site is fairly easy to use and all the information that you will need will be located on the site to help you with your decision making process. Below is a guide on how to review and apply for your very own personal Chase Credit card online.
Required to Review and Apply For Chase Credit Card Offers:
- Computer or Laptop with access to the internet
- Valid Email
- Other personal information
Steps toReview and Apply For Chase Credit Card Offers:
Copy and paste the following URL into your browser or if your system allows click the link we have provided here: www.chase.com/creditcards
A new page should load. Click on “get started”.
Here you need to choose whether or not you will be looking for a business card or a personal card. Click on the appropriate option for you.
Once you choose a new page will load. Choose the type of feature you are most interested in.
On this page you will be able to see all the different credit cards that are offered. You will want to look over them to see which ones you are interested in. This will allow you to see the different options that are offered and what special features you get with that particular card.
You can compare several cards to see which one is really able to offer you what you are looking for.
Follow the directions on the site and apply for the card of your choice. When you are finished applying you will know whether or not you have been approved. If the decision has not yet been made then you will receive something in the mail that will let you know what the final answer is. That is all. The site really explains itself so just keep following directions and you should be fine.
What Is Chase Blueprint – Review of Credit Card Payment Program
Under the Credit CARD Act of 2009, credit card companies must allow their users at least 21 days to pay off their credit card bills in any given month free of interest. However, with most credit cards, when you fail to pay your entire balance before the due date, you give up this “grace period” and are retroactively forced to pay interest on the entire month’s worth of purchases, including any portion that you were able to pay off. Under this system, falling short of paying off your entire balance, even by just $25, can result in significant amounts of additional interest on your entire balance.
Fortunately, Chase Bank has introduced a new system, called Blueprint, that you can use on select Chase credit cards to better manage your balance and lower your interest payments.
Blueprint is an innovative way to carry a balance on some purchases while still receiving an interest-free grace period on others. While the best strategy is to avoid carrying a balance altogether, this system allows you to minimize your liability when you simply are unable to pay off the entire balance in full.
Key Features: How Chase Blueprint Works
- Pay Some Charges without Interest. The main feature of the Blueprint system is that you can pay a part of your balance without incurring interest. As an example, let’s say you incurred $1,000 in credit card charges on January 1 and those were your only purchases in January. You then receive your credit card statement on February 1, and must pay the balance by February 25. If you are only able to pay $900 by the deadline, most credit card companies would then charge you almost 2 months worth of interest (January 1 through February 25) on all $1,000 of purchases since it will force you to retroactively sacrifice your “grace period.” However, with Chase Blueprint, you can designate exactly which purchases the $900 will be applied to, and effectively maintain the “grace period” for those purchases by paying off those specific purchases in time. Thus, you would only have to pay interest on the $100 you were unable to pay off. The savings are monumental. The process is easy as well: you simply have to go into your online statement and select the specific charges that you want to pay for using the “Full Pay” option discussed in the next section, and Chase will apply your payment to those line items.
- Full Pay Option. With the “Full Pay” option, you can choose which purchases to pay off in full each month in order to avoid owing any interest. This feature lets you prioritize specific purchases or categories in order to minimize your interest liability. In doing so, Chase Blueprint gives you some valuable flexibility above and beyond most credit card companies that can save you a significant amount of money over the long run.
- Split Pay Option and Payment Plans. With the “Split Pay” option, you can choose a customized payment plan for specific, larger purchases over a period of months. Chase will calculate the monthly amount you will need to pay and how much interest will be incurred over the time period you select. Thus, you can accurately see how specific payment plans will affect your bottom line. The payment plan feature is called “Finish It.”
- Budgeting Features. Chase offers a “Track It” feature that lets you create and manage your full budget. Since all credit card transactions are coded by the type of merchant processing the charge, Chase can use this information to inform you of how your actual spending compares to the budget you created. You can also analyze your purchases by category.
- Free Service for Cards with Blueprint. Chase offers the Blueprint program at no cost on its Slate, Freedom, Sapphire, and Ink cards.
- Lower Your Effective APR. When you designate a purchase as a “Full Pay” item and pay on time, those charges will not incur interest. You’re effectively lowering the total amount to which your interest rate will be applied, a huge advantage over non-Blueprint credit cards. Since your interest payment will be lower, you can think of it as having a lower APR than you’d get on a card without Blueprint.
- Goal-oriented Payments. If you’re carrying a balance on your credit card, you should already have a plan for paying that balance off. By sharing this plan with Chase, they will calculate your “Blueprint Payment” on each statement with its “Finish It” feature. This goal-oriented payment amount will be more than your minimum required payment, and if you stay on pace, you’ll meet your zero-balance goal while incurring minimal interest payments.
- Monthly Reports by Category. Most cards give you an annual summary of your purchases, broken down by category so you can evaluate your spending and your yearly budget. Chase takes this concept one step further by offering it on a monthly basis. If you’re setting your first budget or making drastic changes to your yearly plan, this feature is extremely useful.
- Confusing Designations. It can be difficult to keep track of all the features and designations. Take the time to understand the options, how they work, and how they will affect your balance and interest payments. By doing this upfront, you can get the most out of the Blueprint program.
- Budgeting Features Only Tell a Partial Story. Clearly, Chase is hoping that you use this one card for all your purchases. But if you use cash for some transactions and other cards for other purchases, then the budgeting features won’t be as useful for you. The system isn’t yet capable of handling your off-card spending.
- Temptation to Carry a Balance. The opportunity to pay some charges in full and avoid interest can help balance carriers, but carrying a balance is still a poor practice. Credit card debt is unsecured debt, which has a higher interest rate than a loan secured by your home or your car. Also, unlike a home loan or an education loan, there are no tax deductions for credit card debt. Any amount of credit card debt is undesirable, even if you have a groundbreaking credit program that helps you pay your balance. If you end up carrying a balance only because this card makes it easier for you to do so, you are not getting ahead!
For a long time, I’ve felt that it’s unfair that even if you paid off almost all of your credit card purchases, you still had to pay interest on everything. The credit card world isn’t always fair, but Chase’s Blueprint system fixes this inherent problem and offers some useful budgeting tools too.
You can use these features to pay off all of your balances sooner, but they also carry the potential to encourage you to carry a balance more often. Like any tool, how you use Blueprint will determine the benefit you receive from it. Used properly, it can help you achieve the most important personal finance goal there is: eliminating your debt. But if you’re not careful, Chase’s innovation can put you even deeper in the hole.
Have you used Blueprint on any of your Chase credit cards? Did it help you clear out your balance due, or did you find yourself in bigger trouble than when you started?
Chase Credit Card Online Login
Chase Bank features seven types of credit cards to suit the needs of their customers. From Chase Sapphire Preferred cards to United MileagePlus cards, Chase Bank offers benefits from small businesses, rewards for their customers, cash back and balance transfers to simplify transactions and services for customers.
Users of Chase credit cards can now log in to their online account and handle their finances. Check your balance transfers, rewards and credit card activity from the comfort of your home. To learn how to log in to the website, renew username or password or even to enroll, here is a simple guide to show you how to go through these steps.
Step 2– Click the blue Sign In button at the top right of the page. It will open a new window where you will be asked to enter your information.
Step 3- Enter your username and password and click Log On.
If your credentials are correct, you will be able to access your account’s dashboard.
If need to renew your password, just start as you would to Sign In as explained above:
Step 1- In the new window that opens, instead of entering you credentials, click Forgot your User ID or Password?
Step 2- To verify your identity, select to enter your SSN or Tax ID Number. You must also select to enter your ATM/debit or Chase Credit Card number or your Chase commercial loan account number.
Step 3- Once you have entered the right information, you will be asked to verify your User ID and you will be sent an Identification Code. If you complete these steps correctly, you will have access to reset your password to your liking.
For first time users, select the Sign in button as explained above and follow these steps:
Step 1- Once you have been directed to the Sign In window, select link below that reads Need User ID? Sign up Now.
Step 2- You will be directed to a 6 step process and you will start with Identification. Enter your Personal or Business account number and SSN.
Continue with the rest of the steps, including an Identification code, selecting a password and agreeing to their terms and services conditions. Once these steps are completed, you will receive a confirmation that your online account was created and you will be able to access your dashboard.