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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Blue from American Express® | |||||
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Issuer:American Express Credit requirement:Reasonable if you have excellent credit. 0% introductory rate for purchases for 15 months Then a fixed APR Prime + as low as 4.99% No annual fee Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance. Choose to carry a balance or pay in full Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences. Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences. Express Approval. Get a decision in less than 60 seconds. Easy Navigation Through Everyday Life Online Fraud Protection Guarantee--protects you against unauthorized purchases online. Built-in Smart Chip--for added Internet security. Register for BlueLootSM--the totally FEE-FREE online rewards program from Blue. Enroll in Blue's Fee-Free Rewards program The Membership Rewards Express® program has fast ways to earn points and easy ways to redeem so you can start getting the rewards you want now. Once enrolled, you can earn one point for virtually every dollar you charge with Blue. Enjoy more of the things you love and love to do with a wide selection of dining, shopping, entertainment, and travel rewards at your fingertips. Express Pay is built into the card! Apply for Blue from American Express |
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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