Another category of chase credit cards is the travel cards where the credit card holders get travel related discounts and rewards. This category of chase credit cards is very suitable for people who travel a lot. Yet another set of chase credit cards is grouped as auto and gas cards which offer rebates and rewards on everyday purchases. Retail cards are another kind of chase credit cards where you receive points on purchases made using this chase credit card. These points can then be redeemed for shopping certificates, entertainment etc. For students, there is a separate breed of chase credit cards which is called student cards. These student cards help the students in building a (good) credit history and also offer some special benefits for students. Similarly there are college & university alumni cards for supporting your alma mater. There is another set of chase credit cards that operate on similar lines. These chase credit cards are called ‘cards to support organizations’. The organization can be something like a charity or any other organization that you want to support. Then there are military cards that are meant for the members of military (both past and present). You can support your favourite teams or sporting organizations by getting a sports card. Finally, there are business cards which can be used by businesses for organizing their expenses, availing low interest rates and getting other benefits related to business.

Thus chase offers a lot of different credit cards which cater to the different needs of various people. By comparing the features of these chase credit cards and by understanding the main objective behind them, one can easily zero-in on the chase credit card that is best suited to ones needs.

The pre-paid card means that there is no credit check needed as there is no current credit facility on it. So people can now put money on their cards. Usually these cards are used by folks who have bad credits and they need to somehow manage better their personal budget and finances.

So if you are a person who is only paying the minimum monthly payment on your CC debt, this type of card is for you. This is because now you will be able to only spend the money that you actually have, rather than going deeper in more debt.

When you have a regular credit card, you will use it to pay any emergency bills. However you can use your pre-paid card to also pay your bills. All you need is pay a bit of money every week to this card and you will soon have enough to use it for monthly bill payments. You should know that there is a small charge on the money that you put on your card, however it is not that much and it beats racking up on debt on your regular card month after month.

So if you have a bad credit rating, this one is definitely for you. If you try to use a regular CC while you are in a bad standing with your credit, your APR can go up to 35% and more, which will definitely create you debt problems in the long run.

Try to treat your pre-paid CC as a means to pay off your debt, to pay for your goods and the services employed while you have enough money on it. The seduction of purchasing and purchasing to no end is removed with this type of card, and in no time you will be able to reduce your debt dramatically in order to make your credit good again.

When a young person gets started working or goes to college, he or she does not have any credit rating. They can apply for a credit card with a low limit and use it to make small purchases. By making regular monthly payments, this will help that person to start building a credit rating. Contrary to what you might believe, it doesn’t give you a good credit rating if you pay off your balance at the end of every month, even though this is a good financial practice. The best way is to only put a small amount on the card, make your monthly payment the first month and then pay off the balance in the second month.

Balance transfer credit cards allow you to transfer a balance from a credit card with a high rate of interest to one that has a low or no interest rate. Even though this is usually for an introductory period of about six months, it enables you to pay off more of your balance during that time if you still continue to make the same amount of payments. This is especially true if you transfer the balances from several cards to a new one and continue to pay the combined total of the previous payments. All of your payment will go towards paying off the balance rather than having mot of it go towards paying the interest.