If You Lose Your Credit Card From Chase What Do You Need To Do

It can be a distressful experience to lose your credit card. When you lose your credit card, you must remember to calm down and quickly take the necessary steps. Taking fast action can prevent you from getting hit with a financial problem that result from unauthorized purchases. The first thing that you want to do is to report the lost card by making a phone call to the phone number at the back of your card.

At the Chase site, you can also find the number for reporting the lost card by clicking on Contact Us. It is important to not delay in making the phone call. If someone have your card, he may use it to make a large sum of purchases.

The phone will keep ringing until you are being connected to a representative. When you are connected, the representative will ask you to confirm your identity. You can then tell the representative about how you lost your card as well as the time/date you realized that you have lost your card. You can also tell them about any weird transactions on your billing statement.

You should keep all relevant documents handy for answering specific questions that the representative is likely to ask. They will block the card to prevent someone else from using it. You can call at anytime to report your lost/stolen/damaged card as the phone line is open for 24/7 throughout the year.

Reporting the lost card in 2 days will reduce your liability to $50 only. If you wait until after 2 days to report the lost card, you will be liable for $500 of unauthorized purchases. If you wait until after 60 days, you will be responsible for the entire cost of the unauthorized purchases.

After reporting the missing card, the issuer will start an investigation and carry out the procedure to send you a new replacement card. They will not cancel your old account so you don’t have to worry about your credit score dropping.

As a rule of thumb, you should always keep the information handy including telephone number, procedure for card replacement and applicable fees. This allows you to quickly make a report on the missing card. In the event that your card is destroyed instead of lost, you must let the issuer know and they should be glad to issue a replacement card.

The new card will be associated with the Digital Account Number based on the token stored on the device. You will have to re-add the card to your device and make it active again after you receive your new card. The card should arrive at your address in less than 1 week. You can also order a new credit card through the official site.

We help consumers find the top credit cards, research and compare the best 2018 credit cards online from banks such as Chase, Citi, Amex, Discover and more.

Locking in an 18 Month Balance Transfer Until 2019, Which Card Offers This Deal

Most people will take over 1 year to pay off their credit card debt. For this reason, it is best to apply for a card that has at least 18 months balance transfer offer. The interest will only be charged to your balance after the 18 months intro promo comes to an end. The following are the top 4 balance transfer credit cards with 18 months zero percent intro offer.

1. Citi Double Cash
Citi Double Cash card features a zero percent APR intro that is valid for 18 months. At the end of the 18 months period, you will be charged with an APR in the range of 14.74% – 24.74%. The card also has a cash back program that let you earn double cash back where the first 1% is earned wehen you make the purchases and the other 1% is earned as you pay off your balance. Balance transfer will not earn any cash back. To get the 18 months balance transfer offer, you must complete the balance transfer within 4 months. There is a 3% or $5 minimum balance transfer fee. You don’t have to pay any annual fee.

2. Discover it 18 Months
Discover it 18 months is another card 18 months zero percentage intro offer that is applicable to balance transfer. Once you reach the end of the 18 months, you are charged with a regular APR in the range of 13.24% – 24.24%. The card also have a zero percentage intro offer for purchases that is valid for only 6 months. Using this card to make purchases on bonus categories will enable you to earn 5% cash back. Purchases not in the bonus categories will earn you 1% cash back. The card features no annual fee and free FICO score. There is no expiry to the cash rewards and you can redeem it at anytime.

3. HSBC Gold Mastercard
HSBC Gold Mastercard waives the APR interest in the first 18 months. Following the 18 months, you will be charged with a variable APR rate of 12.24% – 20.24%. It has zero penalty APR, zero foreign transaction fee, and zero annual fee. It also offer $0 liability for any purchases made by unauthorized person on the card. The balance transfer fee is 4% of the amount that you transfer. There is no reward program which serves as an encouragement for you to use another credit card for your everyday purchases. The card is only available those who have good or excellent credit.

4. Citi Simplicity
Citi Simplicity card comes with an 18 months zero percent intro for both purchases and balance transfer. You have to transfer all the credit card debt to the balance transfer card in 4 months in order for the 18 months zero percent intro offer will take effect. After the zero percent offer ends, the variable APR of 15.24% – 25.24% will apply.

We help consumers find the best card offers for 2018, review balance transfer, cash back, rewards and travel credit cards online1

Consumers Love AMEX Here Are 5 Great Cards To Consider

American Express offers a number of credit cards that offer great signup bonuses. These signup bonuses allow you to receive a statement credit after you have spent a specified amount on the card. The following are the five rewards Amex credit cards that offer great signup bonus promotions.

1. Starwood Preferred Guest from American Express
Starwood Preferred Guest from American Express offers a signup bonus of 25,000 Starpoints after you have spent $3,000 within the first 3 months. The annual fee is waived during the first year and you will be charged $95 starting from the second year. Every purchase at Starwood hotel will earn you 5 Starpoints. Purchases at other hotels will earn you 2 Starpoints. All other purchases will earn you 1x point. The fifth night is free after you have redeemed the first 4 nights.

2. Platinum Delta Skymiles Credit Card
Platinum Delta Skymiles Credit Card features a Miles Boost signup bonus program that allows you to earn 10K bonus miles and 10K Medallion Qualification Miles (MQMs) after spending $25K on purchases in selected categories in a year. You can earn double miles if you spend $50K in a year. Purchases in everyday category will earn you 1x mile daily. You can redeem the miles on Delta airline and other participating airlines.

3. The Platinum Card from American Express
The Platinum Card from American Express offers 60,000 signup bonus points after you have spent $5,000 within 3 months after account opening. You earn 5x points when booking the flight directly with the airline or through American Express Travel. You can enjoy free Uber rides within the US for up to a travel fee of $15. During December, you get free $200 bonus of travel fee in Uber riden. Besides, cardholders are also entitled to receive up to $200 of airline credit per calendar year. The card comes with free access to lounge networks and free WIFi at Boingo hotspot.

4. Premier Rewards Gold from American Express
Premier Rewards Gold from American Express offers a signup bonus of 25,000 MR points that worth $250 for customers who have spent $2,000. If you book the flight directly with the airline, you earn 3x points. You earn 2x points when shopping at grocery store, restaurant and purchase gas at a local gas station. You get 1x point credited into your account on purchases in other categories. The card also offers an annual fee credit that worth $100. There is no foreign transaction fee charges on purchases made overseas.

5. Blue Cash Everyday from American Express
Blue Cash Everyday from American Express offers a $100 signup bonus after you have spent $1,000 within a period of 3 months after account opening. The card has a zero percent intro offer during the first 12 months. You can earn 3% cash back on grocery and 2% cash back at the local gas station and department stores for up to a maximum of $6,000 per year. Other purchases spent on the card will earn 1% cash back.

Searching for the best credit cards in 2018? Stay tuned to bestcreditcards2018.net to help bring you the most up to date credit card promotions and offers in 2018!