Rates Current as of Saturday March 13, 2010

Chase Credit Cards Introduced

Bestcreditcardrates.com is pleased to announce the addition of Chase credit card offers to the website.  Chase SlateSM, Chase FreedomSM and Chase SapphireSM credit cards are now available on the website including a secure online application and information regarding the terms and conditions on these cards.  All three Chase credit cards are available with no annual fee and an easy to complete online application.

Chase offers a variety of cards with some of the best terms, rates, and benefits in the industry.  Chase SlateSM, Chase FreedomSM and Chase SapphireSM credit cards are available along with some of the best low interest rates credit cards, prepaid credit cards, cash back credit cards, small business credit cards, student credit cards, instant approval credit cards and rewards credit cards on the market today. 

The Chase SapphireSM credit card allows card holders to earn unlimited reward points, the card provides 10,000 bonus reward points after the first purchase and allows the card holder to earns 2 points for every dollar spent on airfare booked through Ultimate Rewards.  The Chase Sapphire credit card has no earning caps on the credit card reward points, no point’s expiration or blackout dates.

The Chase SlateSM credit card comes with 0% introductory period credit card APR and now annual fee.  The Chase Slate credit card also has the BlueprintSM money management feature that offers an exclusive collection of features that lets the card holder manage their personal finances.

The Chase FreedomSM credit card has a liberal cash back program which gives back a 3% cash back bonus on some of the most common purchase categories on a rotating basis including gas, home improvement and department stores.

Choose from one of theses three different types of credit cards that are offered by the Chase Credit Card company or from the list of credit cards on this site.  Compare credit card offers and obtain information about the features they have to offer before choosing the right credit card to match your needs.  

Chase credit cards are issued by JPMorgan Chase & Co, which is one of the leading credit card issuers in the U.S.

Bestcreditcardrates.com is not affiliated with the credit card issuer and does not guarantee the information or products available at these institutions or their web sites.  For current terms and conditions please review that section of the specific credit card offer.

Credit Card Use Out of Control

Credit cards can be a practical and useful device for a variety of purchase transactions from online credit card transactions to secure and convenient big ticket purchases, but for far too many consumers the convenience and flexible benefits of this resource has turned into an uncontrollable debt creator.

Flexibility and convenience are attributes of credit cards that have impaired the lifestyles of many individuals and families but these are the same attributes that provide convenience and can in fact be very rewarding when credit cards are used optimally.

Credit cards don’t have to be an easy way to get into debt and can be managed prudently that allows the credit card holder to enjoy the convenience of holding the card with the added benefits of security, rewards, extended warranties, added insurance coverage and more. 

How a credit card holder uses and manages a credit card is the key to gaining all the benefits and avoiding the headaches and stress.  Unfortunately, more attention has been showered on how most credit card users don’t select the best credit card or understand their credit card terms and end up with a feeling that the credit cards are just tools that are necessary in today’s society.

Often credit card holders see these tools as way to make purchases that are not within their budget or they simply can not afford.  Many consumers are aware that there credit card spending habits are unsustainable yet they do not curtail there spending or alter their purchase habits fast enough to avoid accumulating unmanageable levels of debt.  In addition, credit card holders are generally aware that significant savings are available by switching to a credit card with a lower rate or consolidating several credit card balances onto one card which makes the monthly payment more manageable and maximizes the rewards and credit card services offered.  But card holders often do not switch credit cards for a better credit card rate or a more manageable credit card payment.

The bottom line is that many consumers are over using their credit cards and still more are using a credit card that’s not right for them.  In fact, consumers often spend more time comparison shopping for merchandise and products that are far less important than they do reviewing and comparing credit card terms and their credit card use.

Most credit card holders need to question why they are holding credit card with an above average credit card rate or burdensome fees and charges.  Existing credit card holders are often do not realize or pay attention to the fact that the interest rates on their credit cards do not have the best credit card rates available and that switching credit card companies may very well be the biggest help they could ask for.

There is huge opportunity for existing credit card holders to manage their own personal finance and budgets and make their credit cards a convenient resource and not a liability.  Surprisingly, few credit card holders bother to keep on comparing and switching credit cards to get low interest rate offers or new credit card rewards or other bargains available within the credit card industry.

Maintaining control of credit card debt and realizing the full potential of the credit card market requires consumers to make responsible decisions and let the competition within the credit card industry work.  This process will ensure that the credit cad held and being used are competitive, and the credit card holder can take advantage of the best deals available without falling into a quagmire of debt.