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Chase credit cards have been around for quite some time. All this time, Chase has always been in the competition. Now, Chase charge cards are offering bigger and better things each and every day. Here are a few reasons for you to choose Chase charge cards.

Reason #1: Outstanding Customer Service

Chase has always been know for their above average ability to provide quality customer service. No matter what the problem might be, you can be sure that a Chase credit cards representative when you call. If you are looking for a charge card company that is known to put the customer first, you just might be looking for Chase charge cards.

Reason #2: Great New Rewards Credit Cards:

Chase credit card accounts consistently have a new offer that is sure to grab your attention. Although your ultimate decision might be different, the one that fit me the best was the Chase Sapphire Preferred charge card. With this credit card, I am able to do so much. The rewards are great! But, there are different types of rewards charge cards for different people. Visit www.JemCreditCards.com/rewards-credit-cards.html to find out more about rewards charge card accounts.

Reason #3: Competitive Interest rates:

One of the most prominent ways charge card account companies compete for your business. When it comes to interest rates Chase charge cards are a great choice. Some Chase cards even offer balance transfer offers at 0% interest rates for the first year. Even if a promotional, introductory interest rate doesn’t catch your attention, the standard interest rate just might. Many Chase credit cards have interest rates as low as 12.24%. This is a great break since many of the major charge card companies have raised interest rates due to the severity of the economic recession.

Reason #4: Patented Fraud Protection:

Chase Bank understands that credit card accounts are an important part of life. However, they also understand the risk that people take to have a credit card. Unfortunately fraud has been an industry of its own for some time. Chase knows that your privacy and financial safety are important factors in your life. Due to this, Chase credit card accounts has released Blueprint(SM) with their Slate credit card. Using Chase credit card accounts, you are sure to have your private information secure and the financial safety that consumers deserve.

Final Note:

No matter what charge card company you decide to use, it is vitally important that you use charge cards responsibly. Using charge card accounts improperly could have a large influence on your financial stability and is not recommended! Also, when applying for charge card accounts, make sure to read the terms and conditions carefully. As a personal financial consultant, I couldn’t tell you how many of my clients have come to me asking “can they really do that?”. Although it is fine print and a bit monotonous, it is worth your while to read it and understand exactly what you are accepting.

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Discover credit card accounts have been known as the underdogs in the charge card account market for some time. Well, this is not the case any more. With new charge card account offers including competitive low APRs, balance transfers, cash back, sky miles, and many other reward redemption offers, Discover is making a sprint to the top of the credit cad industry! I have compiled a list of reasons I feel that Discover charge card accounts may be the best credit card for you:

Reason 1: Quality Customer Service

Discover credit cards customer service is like no other. As the editor of www.JemCreditCards.com, I receive a great deal of emails letting me know how the credit card companies are doing. Over the last month, have have received at least a hundred emails from Discover charge card holders letting me know that they had to call in for something and the representative went above and beyond to make sure that the customer was happy.

Reason 2: Balance Transfers

Years ago, balance transfer charge card accounts were unheard of. However, today charge card account companies utilize balance transfer credit cards to compete with offers other companies are putting out there. Discover credit cards are doing the same thing. Offering 0% introductory interest rates for 12 months on balance transfers. If you have a high interest rate charge card, this is sure to save you some cash.

Reason 3: Cash Back

Cash back charge cards are not new at all. As a matter of fact, cash back has been one of the ways credit card account companies have competed over the years. Discover charge cards however, are taking the cash back credit card industry by storm. The industry standard for cash back is 1% on purchase made with your charge card. Some discover charge card accounts are offering up to 20% cash back on specific purchases. This is unheard of!

Reason 4: Sky Miles

American Express is the credit card company that is more known for sky miles cards. This is about to change. Discover has released 2 new sky miles charge cards; the Miles By Discover card, and the Escape By Discover card. Both of these charge cards offer exceptional sky miles rewards packages along with other flexible ways to redeem your reward points!

Reason 5: Student Credit Cards

When you graduate high school and go into college, one of the best things that you can do to build your credit score is open a new student credit card account account. Discover is well aware of this and due to this, they have created a few new student credit card offers. A few things that are different about these offers is that the student charge card accounts come with rewards systems that are just about the same as the higher end Discover credit card accounts. Also, the interest rates are very competitive. With all of this I don’t see why a student wouldn’t want to choose Discover cards.

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