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The current Chase Bank was created through a variety of historical mergers. Chase Banks most successful acquisitions was in the 1930's when it acquired the Equitable Trust Company. John D Rockefeller, of the influential Rockefeller Family was one of the most influential stockholders in the trust company and his influence helped make the Chase bank the largest bank in the United States in 1955 when the Chase National Bank and the Bank of the Manhattan Company merged.
The Chase Credit Card is really a Visa card offered by the Chase Bank.
One of the features found on the Chase Credit Card home page is a section for their financial resources. Chase offers a variety of sources ranging from educational planning tool, mortgage tools, and advice and planning. The educational tool is information about all sorts of educational loans; loans for medical students, loans for private students, loans for parents of students, and information about the Stafford loans. The mortgage section offers a mortgage calendar and a home equity calculator. The mortgage calculator answers questions like; what type of home is in your budget, and wether you should take a short term or long term mortgage. The home equity calculator provides the answers to questions like; how long it will take to pay off a line of credit and if you should consider consolidating your loans. The advice planning section provides advice on topics such as; financial planning, retirement planning, and an educational resources library.
Chase Credit Card also has a page dedicated to financial tools which includes credit information, student credit and a innovative section called smartscents. Smartcents is a place customers can go to learn how banking works from budgeting to borrowing. Smartcents even has a section designed for kids.
The Chase Credit Card home page features the Visa Freedom card. The Freedom card features a three percent cash back bonus for every doller spent at grocery stores, fast food restaurants, and gas stations. It also features a one percent cash back bonus every time you spend a doller every where else. If you stock up two hundred dollars worth of rewards on your Freedom card Chase will send you a check for two hundred and fifty dollars.
The Chase Credit card website offers customers four ways to apply for a card. They can choose by category. The company will help them choose the best card. They can shop by comparing card features. I all else fails clients can simply browse through Chase's list until a card catches their eye.
Once you have gotten your chase card you can take advantage of Chase's paperless accounting by receiving your credit card statement online instead of through the postal service.
Two features somewhat unique to the Chase Credit Card are their fraud detector and payment protection plan.
The Chase Credit Card website is simple to use and full of clear concise instructions for navigation. It lacks the bells and whistles of some of other credit card sites but the simplicity is refreshing. The one feature that would benefit the site is information about their customer service department.
The Discover credit card made its world debut in 1985 when it was introduced by Sears. It quickly developed popularity in the competitive world of credit cards because it offered a cash back rewards that offered as much as one percent back on certain purchases, it had no annual fees, was the only card accepted by the United States Customs Service which meant it could be used to pay customs duty. In 1997 Discover credit card became a part of the Morley Stanwood empire when the Dean Witter discover group merged with Morley Stanwood.
While Discover has popular national acceptance and is beginning to enjoy some world wide exposure it is not readily accepted in Europe.
On the Discover Credit Card home page customers can apply for the Discover Platinum Credit Card. Customers who apply for and receive a Discover Platinum Credit Card will not be charged and annual fee not will there be a balance transfer fee. Discover employs a zero percent interest rate for the first twelve months of card ownership. Discover offers a five percent cash back. Discover gives customers a five percent cash back bonus on some purchases and a one percent cash back bonus on all purchases. Customers are not responsible for fraud liability.
When an applicant files an online application for a Discover credit card they will be given an option of three card designs to choose from. They could pick the simple silver card with the Discover card logo, the American flag design, or the clear blue design.
As a part of its customer incentive program Discover Card offers a program called ShopDiscover. ShopDiscover offers extra high cash percentage, sometimes as much as twenty percent bonuses at such stores as Barnes and Noble, FTD, and when you shop online.
In addition to the ShopDiscover program Discover card offers a five percent on when customers buy airline tickets, rent cars, take a train or bus, or go on cruises. Discover also offers random five percent cash back bonuses four times a year. Customers are encouraged to watch their e-mails and account statements to fully enjoy these periods.
Discover Card is famous for offering a one percent bonus on all purchases.
For Businesses there is the Discover Business Card. This card gives businesses the opportunity to earn five percent cash back purchase bonuses when they use the card to buy office supplies, two percent when they use the card to purchase gas, and a one percent bonus on all other purchases.
In addition the ever popular platinum card Discover offers a gas card, a student card, and the miles card. They also have prepaid gift cards available that can be purchased for any denomination for any amount between $20.00-$500.00. With each purchase of a Party Balloon card Discover card will make a five percent donation to the Make a Wish Foundation.
The Discover Card Company is very proud of their customer service department. The customer service desk features a one minute holding time for all calls and is open twenty-four hours a day. The customer service department can help with everything from replacing cards, adding an extra person to the account, questions, and changes of address.