2009 Credit Card Study
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Credit Card Exclusive: Chase

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Chase
CardChase Platinum Visa

Chase Freedom

Any time, any reason; universal defaultAny time, any reason.Any time, any reason.
Average daily balance or two-cycle?Average daily balance (including new purchases).Average daily balance (including new purchases).
Late fee range$15 on balances up to, but not including, $100; $29 on $100 up to, but not including, $250; and $39 on $250 or more.$15 on balances up to, but not including, $100; $29 on $100 up to, but not including, $250; and $39 on $250 or more.
Overlimit fee$39.$39.
Balance transfer fees: % of amount; minimum and maximum3% of each balance transfer; $5 minimum.3% of each balance transfer; $5 minimum.
Cash advance fees: % of advance; minimum and maximum3% of each advance; $10 minimum.3% of each advance; $10 minimum.
Payment related fees: phone, expressPhone: $14.95 with a person.Phone: $14.95 with a person.
Other fees (annual, returned check, etc.)Annual: $0
Returned check: $39
Wire transfer: $0
Copy: $0 good credit; $10 bad credit
Annual: $0
Returned check: $39
Wire transfer: $0
Copy: $0 good credit; $10 bad credit
Grace periodAt least 20 days.At least 20 days.
Introductory rate for purchases and balance transfersPurchases: 0% for 12 months Balance transfer: 0% for 12 months.Purchases: 0% for 12 months.
Default APR rangeUp to 29.99% variable. The prime rate plus up to 26.99%, but not more than 29.99%.Up to 29.99% variable. The prime rate plus up to 26.99%, but not more than 29.99%.
How payments applied to balance?You may authorize us to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs.You may authorize us to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs.
How is interest rate set?The "prime rate" is the highest prime rate published in the "Money Rates" column of The Wall Street Journal two business days before the closing date on the statement for each billing period.The "prime rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the closing date on the statement for each billing period.
Minimum payment charge2% including finance charges. 1% (if there are fees, late, overlimit or returned check) plus the fees plus finance charges.2% including finance charges. 1% (if there are fees, late, overlimit or returned check) plus the fees plus finance charges.
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Product Rate Change Last week
Balance Transfer Cards 15.80% --0.00 15.80%
Cash Back Cards 16.42% --0.00 16.42%
Low Interest Cards 11.09% --0.00 11.09%
 
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