Chase Freedom cardholders, particularly those with large gas station bills, will likely be quite pleased with 2012′s Chase Freedom 5% cash back reward categories. While there are a handful of differences between the 2012 schedule and that of last year, 5% cash back categories are probably easier for many to max out this year.
First Quarter: Beginning January 1st and running until March 31st, cardmembers earn 5% at gas stations and on purchases made at Amazon.com. Because 5% cash back can be earned on up to $1,500 of spending, an individual or family that spends $125 a week on gas can max out rewards during this quarter.
Second Quarter: From April until June 30th, cardmembers earn 5% cash back at grocery stores and movie theaters. Th
Most commercial customers demand net 30 to net 60 day payment terms for their purchases. It’s a basic rule of business if you want to make commercial sales you need to offer credit terms. But this is a very delicate challenge. If your credit policies are lenient, you will improve sales but hurt profitability (because of non payments). On the other hand, if your credit policies are too strict, you will lose sales. In an ideal world, you want to offer credit to customers that deserve it and deny credit to those that don’t.
With under two weeks to go, consumers who anticipate needing a new credit card for holiday shopping are quickly running out of time. In the past, it was possible to apply online and get instant credit card approval along with instant access to that card’s credit line. Unfortunately, while some credit card companies still process and instantly approve credit card applications online, it typically takes a minimum of five days for a credit card to arrive in the mail.