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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Blue CashSM from American Express® | |||||
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Issuer:American Express Credit requirement:Reasonable if you have excellent credit. No annual fee Up to 5% cash back on all qualified purchases with Unlimited Cash Rewards Flexibility to pay over time "0% Intro APR for 6 months." Online application approval decisions in under 60 seconds Balance transfer requests submitted on application receive APR of 4.99% for life of the balance. Go To Rate: Prime + as low as 4.99% Express Approval. Get a decision in less than 60 seconds. Take a look at some of the great benefits offered by Blue Cash from American Express! · No annual fee · Up to 5% cash back · 0% Introductory APR Take a look at some of the great benefits offered by American Express® Blue CashSM No annual fee Earn up to 5% cash back at the places you frequent most, like supermarkets, drugstores and gas stations. Express Pay is built into the card! Checking out is a breeze with the built-in ExpressPay feature, a payment technology that lets you make purchases without having to swipe your Blue Cash from American Express 0% Introductory APR; as low as a variable Prime + 4.99% APR thereafter Up to $100,000 line of credit Choose to carry a balance or pay in full Online Fraud Protection Guarantee--protects you against unauthorized purchases online. Built-in Smart Chip--for added Internet security. Plus, An Exciting, Free Rewards Program Apply for Blue Cash 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 Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit).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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