Credit Cards

Credit cards are practically a must in today's electronic society. You need one to rent a car or to make reservations at a hotel. If you shop online, credit cards are the safest way to buy. And, they are ever so convenient.

These plastic cards come in a variety of shapes, sizes and colors, from a small rectangle that you can dangle on your key chain to a personalized credit card with your photo gracing the front. Credit cards also come in a variety of price ranges - some with no annual fees, some with big annual fees - some with fixed rates, others with variable rates.

Credit cards are a great financial tool, offering many benefits:

• They can be safer and more convenient to use and carry than cash
• Credit cards offer the ability to buy goods and services now and pay for them later
• They have valuable consumer protections under the law
• Major credit cards are accepted by merchants around the world
• They may provide a source of cash or payment in an emergency
• Credit cards can guarantee hotel or travel reservations
• If you are not happy with a purchase you made using a credit card, you may have the right to withhold payment until the problem is resolved.

To qualify for a credit card you must be at least 18 years old and have a regular source of income. Despite invitations from credit card issuers, you will still have to demonstrate that you are a good risk before they grant you credit. The proof is in your credit report. Before you submit a credit card application, you may want to obtain a copy of your credit report to make sure it is accurate.

World MasterCard® with WorldPoints™
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
0% (12 months)	7.9% - 13.99%	19.99%	3%	$15+	$0
0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles. Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more. No Annual Fee Online account access and Points management Access to the MyConciergeSM service, a unique personal assistance service Absolute Fraud Protection Card issued by FIA Card Services, NA.

Chase Cash Plus® Rewards Visa
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
0% (12 months)	11.99%	21.99%	3%	$15+	$0
Apply now for the Chase Cash Plus® Rewards Visa card to enjoy: 5% cash back at grocery stores, gas stations and drug stores 1% cash back on all other purchases 0% Introductory APR for up to 12 months on purchases and balance transfers* The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history No Annual Fee

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