Chase just launched the NEW Slate® card with 0% interest for 15 months and NO BALANCE TRANSFER FEE! That’s right, the Slate® from Chase is offering 0% interest for 15 months and a $0 ZERO balance transfer fee!

Did the holiday bills creep up on you this season? Take advantage of the Slate® from Chase, transfer your debts and balances to the card, and set up a budget to pay your bills over the next 15 months, for no fee!

The Slate® from Chase also offers the following features:

• No Balance Transfer Fee!*
• 0% Intro APR for 15 months on purchases and balance transfers
• Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
• After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
• Avoid interest on everyday purchases
• Pay down your balance faster
• Zero liability on unauthorized purchases*
• No Annual Fee*

Click here to go to Chase’s official application to apply online for the Slate® from Chase now.

* Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. The content displayed above is of our own opinion, and is not provided by any financial institution. This content has not been reviewed, approved, or otherwise endorsed by any aforementioned financial institution. Every attempt was made to ensure that the content displayed above is accurate, however it is the reader’s responsibility to read the latest complete terms and conditions of any products listed above.

The Discover® More® Card just LOWERED their balance transfer fee to only 3% for 18 months. This is effectively a 2% APR credit card on your balance transfers for 18 months!

The price of balance transfers just became cheaper, and you can thank the fine people from Discover Card. There is currently no balance transfer offer being offered at this time which is any cheaper!

The Discover® More® Card offers new cardholders a 0% intro APR on balance transfers for 18 months and on purchases for 6 months. 0% for 18 Months. You read it right.

This promotional card, issued by Discover Financial, is also a rewards credit card, offering you cash back whenever you spend on your card.

Sign up for the Discover® More® Card today!

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

Chase Freedom Visa

Chase recently started to offer the Chase Freedom® Visa – $100 Bonus Cash Back credit card. This card puts $100 back into your pocket after spending $500 in purchases within the first 3 months of opening your new credit card account.

Not only do you get $100 bonus cash back, but you get an introductory 0% APR on balance transfers for 12 months and on purchases for 6 months.
Do you have monthly expenses which bill to your debit or credit card? Cable bill? Cell phone bill? Vehicle expenses, such as gas, oil changes, and electronic tolls? If so, then why not sign up for the Chase Freedom® Visa – $100 Bonus Cash Back, and get $100 back AND earn rewards for your monthly expenses?

The $100 bonus cash back is offered as a statement credit which can be put to the balance of your credit card. Excellent credit is needed to apply for the Chase Freedom® Visa – $100 Bonus Cash Back.

Sign up for the Chase Freedom® Visa – $100 Bonus Cash Back today!

* See website for complete terms and conditions of card usage and application disclosure.

The Discover® More® Card, offers new cardholders a 0% intro APR on balance transfers for 18 months and on purchases for 6 months. This is a very attractive limited promotion only for new accounts in the US.

0% for 18 Months. You read it right. This is one of the few credit cards in the US which offers a 0% interest rate on balance transfers for 18 months.

With the Discover® More® Card, you get 0% introductory APR on balance transfers for 18 months! You’ll also enjoy a 0% intro APR on purchases for the first 6 months of account opening. This promotional card, issued by Discover Financial, is also a rewards credit card, offering you cash back whenever you spend on your card.

Hurry and sign up for the Discover® More® Card.

Sign up for the Discover® More® Card today!

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

Do you have credit card debt? If so, the good news is that the card issuer is no longer able to hike your interest rate without warning, or raise rates on an existing balance. They are required to send your bill at least 21 days before it’s due (up from 14 days). Every bill needs to show how long it will take to pay off the balance if you make the minimum payment, and how much finance charges you will pay.

These reforms are due to a new law, called the Credit CARD Act, which came into effect last month. Excellent!

Why do the credit card issuers conduct business in this manner? It isn’t because they like watching you suffer. They do it to make money. Remove these revenue streams, and the card companies need to find new ways to be profitable.

A crackdown on card holders who pay in full every month

A customer who always pays on time and never pays any interest produces little revenue to a credit card company.

Interest generates the majority of credit card profits. The card issuers have always done their best to turn these customers into debtors. Have a customer who always pays on time? Make sure their bill arrives a few days before it’s due, then, when they pay late, slap a 30 percent penalty APR on their entire balance.

The CARD Act makes it harder to pull this trick off: they have to send you the bill earlier, and you have to be 60 days late before they can raise your interest rate. But you can still blow it the old-fashioned way: occasionally pay less than the balance due.

Here, have some rewards

Reward cards aren’t going away. In order to explain why credit card issuers love reward cards, it is because the banks make money on interchange fees.

When you use your card for a $100 purchase at Target, the store doesn’t receive the full amount. A small percentage goes to Visa (or MasterCard or Amex). A much larger portion, 1 to 3 percent, goes to the bank which issued the credit card. This is called the interchange fee.

The interchange fee isn’t the same on all transactions. It depends on a lot of factors, one of which is whether you’re using a reward card: reward cards carry higher interchange fees.

So, thanks to the CARD Act, you’ll be receiving more credit card applications in the mail for reward cards, especially if you have a high FICO score. They’re a great deal for the banks: higher interchange fees; reward cardholders charge more than the average person, to maximize the reward; and a significant percent of the rewards go unredeemed. Credit card companies make money on unredeemed rewards.

Fees, fees, fees

Here are a few favorite fees, which may return due to the CARD act:

• Annual fees. The classic, and more popular than ever–especially for cardholders with low FICO scores.
• Inactivity fees. Some banks charge you an annual fee for not using your card or not using it enough.
• International exchange fees. As the New York Times reports, card companies charge up to 3 percent every time you make an international purchase–even if the purchase is in US dollars.

Conclusion

Read the fine print in regards to the terms and conditions on your credit card account. Only utilize the credit cards from companies which value your business.

Don’t close unused credit card accounts, as this action can hurt your credit score. Instead, let these accounts remain inactive with zero balance. After several months with no activity, the credit card issuer offer you better interest rates and promotions to use the inactive credit card.

If you use a rewards credit card, use only one rewards credit card. This will maximize your reward earning potential, and not spread rewards across incompatible networks.

These tips have been brought to you by zeropercentcards.com!

The new Slate® from Chase is a branded credit management card, using Chase’s Blueprint technology, which allows card holders to manage financing terms on their own.

Card holders have the ability to pay certain items, such as everyday bills in full each month, while separating more expensive purchases like appliances, televisions, and, computers.

These high dollar items can be separated on your statement so you know the balance associated with them, and you can also set a date at which you want these items paid off in full by using a goal date or specified monthly payment.

For example, you can pay off groceries and gas in full each month, while putting $50 towards your new flat panel TV each billing cycle.

The same can be done for you entire account balance; if you want it all paid off by a certain date, Chase will do the math for you to ensure you stay on track.

It also provides a daily snapshot of your purchases so you know where you’re spending the most.

The Chase Slate® credit card comes with 0% APR fixed for 15 months on purchases and balance transfers, assuming you qualify for elite and premium pricing.

There is no annual fee associated with the Chase Slate® credit card, but there is a 3% fee for balance transfers and a $39 over-the-limit fee. Get your Chase Slate® today at ZeroPercentCards.com!

The Chase Freedom credit card gives you $100 cash back after your first purchase, and offers 0% on balance transfers for 12 months, and on purchases for 6 months.

You also get 3% bonus cash back offers in categories like gas, home improvement and department stores and up to an additional 20% cash back at select merchants when you shop online through Chase.

Sign up for the Chase Freedom credit card today at zeropercentcards.com

Finally, there is once again a credit card which offers 0% on balance transfers for 12 months; the Discover® More(SM) Card
This card also offers 0% on purchases for 12 months, 20% Cashback Bonus when you shop online, and double rewards with more than 100 Cashback Bonus partners.
Apply for the Discover® More(SM) Card today at zeropercentcards.com!

The IBERIABANK Visa® Select has a fixed introductory rate of 7.50% for 12 months from date opened on purchases and balance transfers. The intro rate on balance transfers is valid for all transfers processed within three months of your account open date, and NO transaction fee for balance tranfers.
The IBERIABANK Visa® Select has a low ongoing variable rate APR after introductory period of Prime + 4.25%, and a 25 day grace period.
All IBERIABANK cards have online access to credit card account information.
Apply for the IBERIABANK Visa® Select today!

Check out the new Escape by Discover® Card! You get 25,000 bonus miles, or 1,000 miles each month you make a purchase in the first 25 months. Book any travel, ANYTIME, with no blackout dates or restrictions. Double miles are earned on all purchases, which you can redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles.

Apply for the new Escape by Discover® Card today at http://www.zeropercentcards.com/ today!