Chase Credit Card

Chase credit cards are very popular in the industry and they come in various accounts that suit the different financial terms and needs of different individuals. Chase is also a leading name in the credit industry, honoring the branded cards and cater to big establishments in the retail industry.

Chase Credit Card Charges and Fees

Getting a Chase card means getting the reputation of Chase Bank, an established conglomerate which has a formidable background in credit financing for consumers. There are clear cut fees outlined in the general terms of agreement which guide the consumer in order to avoid other penalty fees that may be charged.

For instance, for payment delinquencies of 60 days or more, Chase will incorporate an annual percentage rate (APR) to your balance. When you have a good payment track record of at least 6 months, the APR may be treated as a temporary fee and may ultimately be waived. There are consumer protection laws on credit cards that limit the increase in credit over limit and pertinent fees that are charged by the creditor banks.

In the case of the Chase credit cards for instance, over limit fees can be prevented when the consumer chooses to have a limit for his purchases be built in his credit line. While it may be embarrassing to be in a situation where your purchase is stopped because of over limit, it would protect the consumer for incurring penalties for purchasing over the limit.

Should you have a card that was issued by a smaller bank or financial institution, you may have to wait for the purchase to be reflected in your account first before proceeding with the next purchase. Sometimes the balance does not reflect immediately and this may cause some problems with your purchases should you be unaware of your credit limit.

Features of the Chase Credit Card

The Chase card has some very good and unique features which make it stand out among the rest. These features could very well assist you in managing your credit line better and more efficiently. Chase has a unique tracking system for your account which could afford you proper monitoring of your purchases. This beats the other banks' manner in providing you information such as the monthly statements of account.

A popular feature of the Chase credit card or chase card application is its ability to give prompt alerts on the status of your account. These alerts are given at no extra cost and features alerts about your payments due whenever and how often you may wish to have such alerts. These alerts can be delivered to you through different modes, like emails, phones, mobile phones, pagers, and even PDAs, so you are properly guided of your account. You can even make your payments online for maximum efficiency and convenience with your Chase credit card.

Choosing chase credit cards afford you the widest array of choices in your purchasing requirements. It gives you the largest latitude of flexibility and manageability to give you the most convenience. The Chase credit card is a very helpful tool in meeting your purchasing needs with the least of hassles