Frequently asked questions

Credit Card information: Definition of APR, what is interest?

1. Q. What is the definition of APR?

• APR stands for Annual Percentage Rate. APR is the cost of credit expressed as an annual percentage. To determine the monthly periodic rate, divide the APR by 12 months. To determine a daily periodic rate, divide the APR by 365 days. Check out our 0% intro APR credit cards.

2. Q. What is an interest charge? When does it occur?

• An interest charge is the sum of interest on your credit card account. The interest charge is broken down by transaction type: purchases, cash advances and balance transfers. If you pay less than the full balance, pay after the payment due date (or if your credit card does not have a interest free period) then you will pay interest on those purchases. Cash advances and balance transfers have no interest free period. This means they start accruing interest as soon as the transaction is made. This will result in interest due, even if your balance is paid in full.

3. Q. What is a Credit Limit?

• The credit limit, also known as credit line is simply the maximum amount of credit available to you for purchasing goods and services.

4. Q. What is a Periodic Rate?

• The Periodic Rate is a rate of interest charge that may be imposed by a creditor on a balance for a day, week, month or any subdivision of a year.

5. Q. What is a Cash Credit Limit?

• The Cash Credit Limit is the amount from your Total Credit Limit available for cash advances. Generally, Bank Cash Advances consist of ATM cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees.

6. Q. What does Cash Credit Line Available mean?

• It is the amount of credit on your credit card that is currently available for you to use for cash advance transactions.

7. Q. How much is my Cash Credit Line?

• You can view your Cash Credit Line on your statement, online on your credit card's account details page or by calling customer service.

8. Q. What is a Credit Cardmember Agreement?

• It states the terms and conditions of a credit card account and represents a binding agreement between you and Chase. The Credit Cardmember Agreement also presents the annual percentage rate, the monthly minimum payment formula, annual fees and dispute resolution processes.

Balance transfers: What is balance transfer?

1. Q. What is a balance transfer?

• A balance transfer is when the outstanding balance of one credit card (or several credit cards) is moved to another credit card account. Learn more . Link goes to the Balance Transfer Credit Card category page about our balance transfer credit cards.

2. Q. Can I transfer balances online?

• Yes. Transferring balances online is fast, simple and secure. Transfer a balance now or visit Chase.com to see available balance transfer offers.

Manage your account: Account activity, paperless statements

1. Q. Can I view my account activities online?

• Chase has a simple way to view your account activities online, by following these steps:
  
  
  • Log on to your Chase.com account using your User id and password.
  • Your current account summary will be displayed.
  • Click "See Activity" link to view your recent account activities.

If you don't have a Chase Online account, sign up now . Link opens new window and goes to the Chase Online website.

2. Q. How do I get a PIN?

• We automatically assign a PIN to your account when you are approved for a Chase credit card. You will receive your PIN by mail after we've sent your new Chase credit card.

3. Q. How do I add an Authorized User to my credit card account?

• To add an Authorized User, follow these six steps:
  
  
  • Log on to your Chase.com account using your User id and password.
  • Click "Add New user" from the "Access Manager" overview page.
  • Create a user id and temporary password.
  • For each account, identify the level of access (No Access, View Only or Transact). If they can transact, define the transactions types they can use, any transaction limits you want to place and if all transactions require approval from another individual before any money is moved.
  • For each account, identify if this user is authorized to approve transactions initiated by other users.
  • Provide the user id and temporary password to the authorized user. The user id and password will also be sent to the administrator's mailbox.

4. Q. What can't an Authorized User do on a credit card account?

• An authorized user cannot change your account information, account password or request for an increase/decrease of your Total Credit Line.

5. Q. Can I receive an electronic version of my Chase credit card statement online?

• To view your statement online, follow these steps:
  
  
  • Log on to your Chase.com account using your User id and password.
  • Select "See Statements" from the "My Accounts" page. The past six years of statements will be accessible from that page.
  • Click on the date of the statement you would like to view.
  • The statement will open in a new browser window.

Chase Fraud Protection and Credit Card Security

1. Q. What is Chase doing to protect me from fraud?

• We use the latest technology and strategies to monitor your account and detect fraud as early as possible. If we notice a change from your usual spending pattern, we may call you. If we call, you'll never be asked for personal security information, such as your mother's maiden name or Social Security Number.
  
  If we're unable to reach you, we may place a temporary hold on your account. This hold sends a message to the merchant to phone us. We do this to verify that you, or someone authorized by you, is making the purchase. If we place a temporary hold on your account, we will always leave you a message (provided we have your correct phone number) and send you a letter stating reasons behind the hold.

Online bill pay: How to pay online and view online statements

1. Q. Can I pay my Chase Credit Card bill online?

• Yes, you can pay your Chase credit card bill online through our secure ePay system.

2. Q. Is the Chase website secure?

• Protecting the privacy and confidentiality of customer information is a responsibility that Chase takes very seriously.
  
  We've designed our website to protect the information you provide us over the Internet. We use Secure Sockets Layer ("SSL") technology to secure your personal information whenever confidential information is passed to us (e.g. after completion of an application online or logging on to Chase Online). SSL secretly encodes your information via public key cryptography as it's being transmitted over the Internet between your computer and Chase.
  
  To ensure a web page is secure, look for a lock symbol in the corner of your browser's screen.

3. Q. Is my online account secure?

• Very secure. Chase uses advanced encryption methods to protect the security of your account. Your choice of a password — which is known only to you — further protects the security of your account. Because of this fact, we strongly recommend not sharing your password with others.

4. Q. Can I receive an electronic version of my Chase credit card statement online?

• To view your statement online, follow these steps:
  
  
  • Log on to your Chase.com account using your User id and password.
  • Select "See Statements" from the "My Accounts" page. The past three years of statements will be accessible.
  • Click on the date of the statement you would like to view.
  • PDF of that statement will open in a new browser window.

5. Q. Can I see my credit card transaction history online?

• To see your transaction history, follow these steps:
  
  
  • Log on to your Chase.com account using your User id and password.
  • Go to the "Account Activity" page.
  • View your transaction history for the previous four months (or you can view the past three years of your statements from the "Statements" page.)

If you would like a copy of your transaction history further back than three years, please contact Chase Customer Service. (A fee may apply)

Chase Credit Card features

1. Q. What is Blueprint?

• Blueprint is a unique set of features to help you manage your spending and borrowing on your terms. Blueprint is only for Chase customers and is free.
  
  Blueprint's four features:
  
  You can also set up your Blueprint plan to track your progress online and on every statement.
  
  And if you miss a Blueprint payment, your account will not be in default as long as you pay your minimum payment due (and meet your other plan requirement).

2. Q. How do I set up my Blueprint plan?

• Simply visit www.chase.com/blueprint or call the number on the back of your card to talk to a service advisor.

3. Q. Is there a fee associated with Blueprint?

• No. Blueprint is available to you at no charge.