Smart Credit Use


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Smart Credit Use

Updated: May 28, 2019

The content is accurate at the time of publication and is subject to change.

If you do not believe that a credit card company can really be kind and friendly to its customers, just turn to JPMorgan Chase & Co., a global financial services company specializing in consumer lending, credit cards in particular.

In case you once applied for a credit card, you must know how complicated and vague a fine print usually is. A customer lacking financial education either doesn't understand a point or gets mislead. The same can be said about the overall communication between a company and a customer throughout the whole period of their relationship.

Chase is breaking the rules for the sake of improving financial literacy among its customers and teaching them smart credit card account management. Have you ever heard about Chase Clear & Simple Plan designed and introduced to educate cardholders on wiser credit card use?

No doubt, this new service is a bright example of a determined step towards a much more consumer-oriented business the efficiency of which cannot be compared to other companies so far.

What does the Plan give to the Chase bank customers? If you are one of the lucky Chase credit cardholders, you can enjoy the program helping you to better understand and manage your credit card account, protecting you from unwanted credit card fees and increased rates and improving the whole communication process.

Now, remember, what criteria did you rely on when selecting a credit card application? Most probably it was the terms and conditions of the deal. Today, however, it would be wiser to consider the transparency of the fine print, and that is what Chase can provide you with.

The ten-point program from Chase is a very convenient tool with simple explanation of terms and rules of credit card use and thus is appreciated by cardholders.

So, what are the ten points included into Clear & Simple Plan and designed to help customers pay always on time, avoid fees and keep their credit score good?

  • Online statements, auto-pay and free credit card fraud alerts- all to help you manage your account more easily and smartly. You get $10 credit as an incentive to sign up for the tools.
  • The ability of Chase cardholders to choose a payment due day most convenient for them.
  • Managing credit card account has become especially easy for the military. Chase is being very loyal to people serving their country and so is offering significant benefits like lower APRs on all balances and the abolition of over-the-limit or late payment fees.
  • College students and other beginning credit cardholders are taught to use credit responsibly through special Chase programs keeping them informed about their current account condition. Should they be likely to run late, the program alerts them on that.
  • The ability to easily make any financial planning with the help of the convenient payment calculator tool available on Chase web site.
  • The program protects Chase customers from exceeding the credit card limit with the help of special control of spending.
  • Chase is concerned with its customers' trouble-free credit card use and so it takes care to make phone calls and send letters to customers with signs of financial instability. That is not all. To ensure the on-time and at least minimum credit card payment, Chase proactively offers a solution to the right payment strategy.

Chase bank representatives believe that the more customers know about the wise credit card use and the more easily they manage their account - the more readily they apply for credit cards. Knowledge gives power and confidence. Together with responsibility, knowledge brings big benefits both to the bank and its customers. The 10-point Clear & Simple Plan provides for that.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Add to Favorites:

Related Research:

Top 5 Secured Credit Cards: November 2020 – Experts’ Choice

Top 5 Secured Credit Cards: November 2020 – Experts’ Choice

Posted: June 22, 2020

The COVID-19 pandemic has made significant changes not only in people’s lives and their financial standing but also in the entire financial sector of the U.S. We have collected the best secured card offers from our partners so that you can… Continue reading

Top 5 Soft Pull Credit Cards: November 2020 – Experts’ Choice

Top 5 Soft Pull Credit Cards: November 2020 – Experts’ Choice

Posted: June 3, 2020

When applying for a credit card, you definitely don’t want your credit score to go down. Here, you will find the best credit cards with a soft pull from our partners. An application for such cards won’t make changes to your credit history… Continue reading

Top 5 Store Credit Cards: November 2020 – Experts’ Choice

Top 5 Store Credit Cards: November 2020 – Experts’ Choice

Posted: May 30, 2020

We evaluated store credit cards offered by our partners to find the best store credit cards. They are often loaded with perks that will allow you to save on purchases at your favorite retailer. Plus, many store credit cards are available… Continue reading

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!