Slate Edge service mark ^SM from Chase
This isn't just your card,
it’s your edge.

Credit Utilization – Text Alternative Script – TIME: 0:59

Hi, I'm Tonya Rapley, and today I want to talk to you about how your utilization can improve your credit health.

Your credit health is important for a variety of reasons, but it's also important because it helps you make major life milestones, such as buying a home, buying a car, starting a business, or anything that requires you to borrow money.

When we think about your credit score, your credit score is based on a variety of factors, and one of those factors is your utilization.

Your utilization is essentially your credit limit versus how much of it you're actually using.

So, that's based on your balance.

You have a card that has a $1,000 limit, and you're using $300 of that card, your percentage of utilization is 30%.

You want to make sure that you keep a low utilization on each card, as well as your overall credit portfolio.

By keeping your utilization lower, that has more of a likelihood to positively impact your credit score, which could make experiencing those major life financial milestones a lot easier.

END

How Interest Rates Impact Your Credit Journey – Text Alternative Script – TIME: 1:56

I'm Tonya Rapley, financial educator and Chase Slate Edge financial expert.

And today, we're going to talk about something you might not know a lot about but should.

Today, we're going to talk about annual percentage rate, also known as APR, and how it impacts your credit health journey as well as understanding how your credit card interest rate and your APR could mean the difference between controlling your debt or your debt controlling you.

So let's start from the top.

If you carry a balance on your credit card from month-to-month, your credit card APR, annual percentage rate, is going to be how much money you are paying in interest on that money you borrowed and are carrying on your credit card.

It's basically what you pay to borrow money.

Student loans, mortgages, personal loans, and auto loans also carry interest rates.

And here's the thing.

The APR is often determined upon opening the card.

It's based on a variety of factors, such as good borrowing behavior, poor borrowing behavior, and promotional offers.

When it comes to APR on your credit journey, it could reduce your debt because it could lessen the amount you pay for the money you borrowed.

For example, if you had $15,000 in credit card debt and the interest rate is 14.99% and you pay the minimum payment each month, it would take you seven years to pay that credit card off and you would pay $8,000 just in interest.

Because the interest rate could increase the amount owed, by having a lower interest rate, that could mean it would take you less time to pay off your debt.

This could help your overall utilization and credit score.

Not to mention that some cards, such as the Chase Slate Edge, reward you for good borrowing behavior and paying on time by automatically considering you for an APR reduction by 2% alongside other variables.

Interest rates are an important element of your credit health journey, and it's important to understand the rate that you're paying on any money you borrow.

Thanks for watching, and good luck on your journey.

END

Magnet Media – Financial Health – Text Alternative Script – TIME: 1:30

Note:

Funky guitar chords play.

On screen:

A pad labeled, "Chase Slate," sits on a table next to a laptop computer and a vase of flowers. It shows an illustration of a prescription pad and text reading: “Financial Health R.X.” Then, in an open office decorated with flowers and plants, Financial Planner, Brittney Castro (a woman with long light-brown hair) sits at her desk, with a laptop computer.

Note:

Brittney writes in a pad as she speaks.

Brittney:

You know how you avoid car inspections and regular check-ups with your doctor? Don't do that with your financial health. Instead, follow these few tips. First, a few times a year check your credit score. Banks like Chase offer it for free. Second, look at your short-term savings goals. Can you save more? Are you currently on track toward them? Next, review your budget and spending. Are there expenses you could cut back on? Like that new kombucha habit you've started. And then finally, review your long-term goals and make sure you have a solid plan to reach them.

On screen:

On a pad labeled "Chase Slate Prescriptions," Brittney checks off a list, including: credit score; short-term goals; budget; and long-term goals.

Brittney:

It might be time to make some tweaks to make sure your money's working harder for you. You'd be surprised at how checking in on these few things can really help boost your confidence and motivation to continue to improve your financial health year after year.

On screen:

Brittney smiles and turns toward her laptop.

On screen:

A pad labeled, "Chase Slate," sits on a table next to a laptop computer and a vase of flowers. It shows an illustration of a prescription pad and text reading: “Financial Health R.X.”

END

Magnet Media – Debt Spot 3 – Text Alternative Script – TIME: 1:19

Note:

Funky guitar chords play.

On screen:

A pad labeled, "Chase Slate," sits on a desk, near a notebook, pen, and Chase Slate card. The pad shows arrows pointing down towards money and text reading: “Paying Down Debt.” Then, in a home office with a large abstract painting on the wall, financial advisor and author Farnoosh Torabi (a woman with long dark hair) sits at a desk.

Farnoosh:

Ready to wrestle that debt? Awesome. But where to start? When creating your pay-off plan, you might be tempted to tackle the smallest amounts first for a quick win. And that can be super motivating. But I actually recommend tackling the debt with the highest interest rate. After all, it's your most expensive debt.

Note:

Farnoosh writes in a pad as she speaks.

Farnoosh:

Paying that first means more money to put towards the rest of your debt. Ideally you should also be putting away a little bit of money for day-to-day needs and unexpected costs, even if it's just $10 a day at first.

On screen:

On a pad, labeled Chase Slate, Farnoosh draws a picture of a piggy bank with the words, "Highest Percent Pay Down First."Balance.”

Farnoosh:

This way you can better afford fixing that muffler or paying for that much needed vacation, all while still making progress on your debt. With patience and commitment, you'll find your way to the finish line. You got this.

On screen:

A pad labeled, "Chase Slate," sits on a desk, near a notebook, pen, and Chase Slate card. The pad shows arrows pointing down towards money and text reading: “Paying Down Debt.”

END

Magnet Media – Where the Money Goes – Text Alternative Script – TIME: 1:27

Note:

Funky guitar chords play.

On screen:

A pad labeled, "Chase Slate," sits on a table next to a candle and a glass of wine. It shows an illustrated pile of cash and text, reading: “50/ 20/ 30 Rule. How to Budget Like a Boss.” Then, a spacious living room decorated with flowers and plants. Financial Planner and Speaker, Brittney Castro (a woman with long light-brown hair) sits on a couch with blue and white cushions.

Brittney:

Budgeting gets such a bad rap for being boring. That's why I take myself out on money date. I light a candle, pour myself a glass of wine, play some tunes and then I dive into my numbers.

On screen:

Brittney lights a small candle and places it on a table next to a glass of red wine.

Brittney:

A question I get all the time is, how do I maximize the money I have left over after I pay all my bills? The rule I like to live by is the 50/20/30 Rule.

Note:

Brittney writes on a pad, labeled Chase Slate.

Brittney:

Ideally, you're making enough money so that 50% of your net income goes towards all your bills every month. Rent, utilities, groceries, etc. Then 20% goes towards savings and paying down debt. And finally, the last 30% is what you use towards fun expenses - vacations, weddings, dinners out on the town.

On screen:

On the pad, Brittney draws a pie chart which shows 50% for "Needs," 20% for "Savings," and 30% for "Fun."

Brittney:

Check out how your numbers stack up. You might be closer than you think.

On screen:

With a smile and a nod, Brittney lifts a glass of red wine. Then, a pad labeled, "Chase Slate," lies on a table next to a candle and a glass of wine. It shows an illustrated pile of cash and text, reading: “50/20/30 Rule. How to Budget Like a Boss.”

END

Magnet Media – Credit Score – Text Alternative Script – TIME: 1:23

Note:

Funky guitar chords play.

On screen:

A pad labeled, "Chase Slate," sits on a table - near a key, notebook, pen, laptop computer, and Chase Slate card. The pad shows text reading: “Credit Score.” Then, in a home office with a large abstract painting on the wall, financial advisor and author Farnoosh Torabi (a woman with long dark hair) speaks into a microphone, finishing her podcast.

Farnoosh:

Thanks for listening, and I hope your day is so money.

On screen:

Farnoosh takes off her headphones.

Farnoosh:

There are a lot of credit score myths out there, so let's set the record straight. True or false? You need to carry a balance month to month to keep a good credit score. False!

On screen:

Farnoosh writes on a pad, labeled Chase Slate. It lists: CC Balance; Open CCs; Self Credit Check. She puts an ‘X’ next to a box labeled “CC Balance.”

Farnoosh:

It's actually better to just buy what you can afford and pay most or all of the bill on time, every month. Next, it's better to keep old accounts you're no longer using open. True!

On screen:

Farnoosh writes a check mark next to a box labeled “Open CCs.”

Farnoosh:

Closing an account could hurt your score. So, pay it off but keep it open. Finally, checking your credit score yourself won't do any harm. You can check your score as often as you'd like. Just limit the number of times lenders check your score. Hard inquiries can make an impact.

On screen:

A pad labeled, "Chase Slate," sits on a table next to a desk - near a key, notebook, pen, laptop computer, and Chase Slate card. The pad shows text reading: “Credit Score.”

END

Magnet Media – Saving Without Sacrificing – Text Alternative Script – TIME: 1:16

Note:

Funky guitar chords play.

On screen:

A pad labeled, "Chase Slate," sits on a small table next to a mobile device. It shows an illustration of a piggy bank and text reading: “Saving Without Sacrificing Fun!!” Then, in a spacious living room decorated with flowers and plants, Financial Planner, Brittney Castro (a woman with long light-brown hair) sits on a couch with blue and white cushions.

Note:

Brittney writes in a pad as she speaks.

Brittney:

Trying to save money and have fun doing it? Instead of going out to brunch every weekend, invite your friends over for a potluck brunch. Eggs and avocado do not have to break the bank. Instead of spending $800 on movie night, or however much it costs these days, set the lights low, pop some popcorn and enjoy a movie at home.

On screen:

On a pad, labeled Chase Slate, Brittney draws: a slice of toast and the word, Brunch; a movie ticket and the word, Movie; and a sneaker with blue laces.

Brittney:

And, if you're addicted to those ride sharing apps, instead, put on those adorable sneakers you bought last month and walk -- at least half the way. At the end of the month, check your progress. That will be a reward in itself, but, feel free to treat yourself to that extra scoop of ice cream. You've earned it!

On screen:

A pad labeled, "Chase Slate," sits on a small table next to a mobile device. It shows an illustration of a piggy bank and text reading: “Saving Without Sacrificing Fun!!”

END

Magnet Media – Tying the Knot – Text Alternative Script – TIME: 1:30

Note:

Funky guitar chords play.

On screen:

On a kitchen table, a cloth-bound ledger engraved "Chase Slate," lies next to a home-made card bearing the words: "Tying the Knot." Then, in a small contemporary kitchen, financial advisor and author Farnoosh Torabi (a woman with long dark hair) puts a water bottle on a counter.

Farnoosh:

Tying the knot soon? Chances are you're thinking about combining your finances. My advice? Take your time.

Note:

Farnoosh writes in a home-made card.

Farnoosh:

Start by creating a new budget together. What are your debts? How do you want to spend money on essentials and how are you gonna save up for those big experiences? Once you've got a budget set, consider opening up a joint checking account to cover those shared expenses and see how that goes. Keeping separate accounts for personal purchases like happy hours or those fancy headphones not only provides some independence but also makes sure you stay on budget. At this point you might be ready to move on to credit cards. Adding each other to your credit cards could allow for some financial transparency and boost your credit scores. But, have some ground rules like checking in with each other before purchasing something that's more than $500. That flat screen TV you've been eyeing would be worth having a convo about before splurging.

On screen:

On her home-made card with a wedding ring drawn on it, Farnoosh writes the words: budget; joint accounts; credit cards.

Farnoosh:

Trust me, you'll thank me later.

On screen:

On a kitchen table, a cloth-bound ledger engraved "Chase Slate," lies next to a home-made card bearing the words: "Tying the Knot."

END

Client: CHASE
Project Job #: CHASE_SLATE
Date: 8/7/2018

“Chase Slate Travel” – 0:53

Music plays throughout.

Super: You’ve spent all year looking forward to that annual vacation.

A plane soars beneath a clear blue sky

Farnoosh (VO): You’ve spent all year looking forward to that annual vacation.

A young man packs a suitcase full of clothes.

Farnoosh: But did you know there are tons of small steps that you can take to help you afford that getaway you've always wanted?

Farnoosh steps into frame, with a tropical beach as her background.

Back on the young man, he finishes packing. The sound of a bell ringing can be heard.

Super: Here are some tips to help you save money on your vacation.

Farnoosh takes a sip of her drink. The frame freezes.

Super: SAVVY SPENDING TIPS WITH FARNOOSH TORABI Personal Finance Expert and Chase Slate Ambassador

The young man holds up his sweatshirt. It magically turns into a vacation shirt with the sound of a bell.

Farnoosh (VO): For example, Sunday is the cheapest day to book your tickets.

Super: Sunday is the cheapest day to book your tickets.

Farnoosh leans on a table with her drink in hand. The beach is her background.

Farnoosh: And to save even more plan to travel on a Tuesday or Wednesday.

Super: Plan to travel on a Tuesday or Wednesday.

The young man continues to pack the suitcase. The scuba gear appears at the sound of the bell. He looks surprised and happy.

Farnoosh (VO): Maybe you could put some of those extra savings towards new gear.

Back to Farnoosh.

Super: Stay on top of your expenses with a card like Chase Slate

Farnoosh: Don't forget to stay on top of expenses with a card like Chase Slate which offers spending alerts that go right to your phone because you really need some time away.

She catches a beach ball from off screen.

Back on the young man, he places the Chase Slate credit card in his wallet.

Farnoosh (VO): And when you charge your credit card,

Back to Farnoosh

Farnoosh: You want your money to take you as far as it can.

The young man holds up sunglasses, which turns into a bathing suit with the sound of a bell.

Farnoosh (VO): To learn more about your credit health and Chase Slate

Close up of the Chase Slate card.

Farnoosh (VO): Check out Chase.com/slate.

Super: Make more of what’s yours. Learn more at www.Chase.com/slate.

Exit title card.

End.

Client: CHASE
Project Job #: CHASE_SLATE
Date: 8/8/2018

“Chase Slate Moving” – 00:01:53

A mother hands her daughter a cup of coffee. The daughter sits at the kitchen counter.

Farnoosh (VO): Moving back in with your parents can be a huge money saver, until it becomes just too much to handle.

Super: Moving back in with your parents can be a huge money saver

The mother serves the daughter a large plate of scrambled eggs and waffles.

Super: SAVVY SPENDING TIPS w/ FARNOOSH TORABI
Personal Finance Expert and Chase Slate Ambassador

Farnoosh speaks in an apartment as someone moves boxes behind her.

Farnoosh: But when it comes to moving out both, mortgage lenders and landlords consider your credit report when it comes to the application process.

Super: Both mortgage lenders and landlords consider your credit report

The daughter stares at the large plate of breakfast while the mother looks at her for approval.

Farnoosh (VO): Meaning that without an established credit history, you may be stuck with mom and dad as long-term roommates.

A hand holds up the Chase Slate Credit Card.

Farnoosh (VO): Fortunately, your Chase Slate card can provide your FICO score for free,

Super: Fortunately, your Chase Slate card can provide your FICO score for free

Pull back to reveal that Farnoosh is holding the Chase Slate Credit Card

Farnoosh: On a monthly basis.

The daughter looks down at her phone. She is checking her FICO score on the Chase app.

Farnoosh (VO): And you can even see key factors that make up your score on a handy dashboard.

Super: You can even see key factors that make up your score on a handy dashboard.

The mother walks away. The daughter pulls out a rental application.

Farnoosh (VO): So when the comes for you to move out,

The men moving things out of the apartment brush past Farnoosh.

Farnoosh: You’ll be ready. To learn more about-- oh, sorry. To learn more about your credit health and Chase Slate.

Close up of the Chase Slate Credit Card.

Farnoosh: Visit chase.com/slate.

Super: Make more of what’s yours. Learn more at www.Chase.com/Slate

Exit title card

End

Vayner Media – Farnoosh ¬– Transcript – TIME: 1:01

[engaging music]

Farnoosh: I'm a little too obsessed with helping people live their best financial lives. I'm a personal finance expert and highly caffeinated mother of two. I'm multi-tasking constantly... Just getting my son's shoes on can be a marathon.

[speaking foreign language]

I'm constantly juggling and so I wanted to have an efficient way of managing my financial life. Can't forget the pig! The Chase Slate card can help you manage payments, streamline your expenses and you're protected with fraud monitoring alerts and zero liability protection. As a financial expert and as a mom, I have two very busy lives. With Chase Slate Autopay, it's a great way to stay on track. Welcome back to the show, you're listening to "So Money." My parents had a version of the American Dream -- to come here, work hard, and I believe that you don't have to have all this money in the bank to be rich. There are so many ways to define success and the beauty of it is that it's different for everyone.

[END]

Magnet Media – Chase Slate Farnoosh – Transcript – TIME: 1:17

Interviewer: Good morning, Farnoosh.

Farnoosh: Oh, good morning.

Interviewer: Do you mind if we ask you a few questions?

Farnoosh: Sure, I have to be on set for Chase in just a minute, but fire away.

Interviewer: Did you always want to be a financial expert?

Farnoosh: Always! No, I actually wanted to be an actress.

Interviewer: Do you give your kids an allowance?

Farnoosh: They're too young right now, but someday sure.

Interviewer: Thanks, we'll catch you upstairs.

[elevator dings]

Interviewer: What are you a bigger fan of, credit or debit?

Farnoosh: Credit, all the way. Thank you.

Interviewer: Who has a better credit score, you or your husband?

Farnoosh: He does, but it is very close.

Interviewer: What's the most popular question you get asked on your podcast?

Farnoosh: How to make more money.

Interviewer: What's one of your favorite splurges?

Farnoosh: Anything that saves me time, or anything that gives me life, like this latte.

Interviewer: Seems reasonable. How can people improve their credit?

Farnoosh: First, check your credit score. Also know how you got there.

[phone alert beeps]

Director: Ready for you on set.

Farnoosh: Thanks. And why you're at it, sign up for fraud alerts, because no, I did not spend $400 on pet grooming.

Interviewer: What's your favorite part about giving financial advice?

Farnoosh: That it can change someone's life.

Interviewer: What are you doing to celebrate Credit Awareness Month?

Farnoosh: This video.

Director: Quiet on set, roll cameras.

Announcer: To learn more about Chase Slate visit Chase.com/Slate

[END]

BRG – JPMC – Project Granite – Transcript – TIME: 1:06

[background music]

Narrator:

We all have financial goals, but that doesn’t mean the path to reaching them is always clear. That’s why it’s important to have a card that gives you an advantage. Introducing Slate Edge from Chase. With special features designed to help you make progress, build momentum, and reach your goals faster. This isn’t just your card; it’s your edge.

With an interest rate designed to go down, good habits are easy to build. We'll consider you for a 2% rate reduction on your card anniversary when you pay on time, and spend at least $1,000. Terms apply. Plus, track how your habits impact your credit score with the help of Chase Credit Journey. Get an edge that helps you raise your credit limit. We’ll consider you for a credit line increase when you pay on time, and spend at least $500 in the first 6 months.

The opportunity for a rate reduction and credit line increase adds up to you reaching your financial goals faster and easier. Slate Edge from Chase. It's your edge.

END