Glossary | Credit Card

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Alerts can remind you when your payment is due, notify you when your balance reaches a set amount, and much more. You can choose the alerts that are right for you - go to <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_accalerts" data-pt-name="cc_acc_lnk_accalerts" href="/personal/mobile-online-banking/login-alerts">Account Alerts</a> to get started.</p> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/bucket/personal/credit-cards/card-glossary-alerts-video' class='scroll-tracking'> <div class="module bucket"><div class="module-bucket module-bucket--3col default"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__desc"> <p><p style="text-align: center;"><strong>Alerts: Payment is due soon</strong></p> </p> </div> </div> <div id=ecfd238e-6784-4eec-a6f0-abfcdcbc5306 class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link video-image"> <img src="" alt=""/> <a role="button" class="video--play-btn icon-play-video videoLink" href="#" data-pt-name="payment-due-soon-alert-video" data-video-details="payment-days"> <span class="accessible-text" >Set up payment reminders. Get a reminder by text, email or push notification when your due date is approaching in the Chase Mobile app video.</span><span class="accessible-text" >Opens Overlay</span> </a> <script class="videoTemplate" type="text/template"> <div class="video-outer-container"> <div class="row col-sm-10 col-sm-offset-1 col-lg-12 col-lg-offset-0"> <div class="video-inner-container"> <a id="cancel" class="icon-close chaseanalytics-track-link" href="#" data-pt-name="Close_Video"aria-label="Close overlay"> </a> <div style="max-width: 100%;" id="bc-container" data-audio-video-name="payment-days" data-audio-video-id="6085446862001" data-video-id="6085441749001" data-account="4394098893001" data-player="ryYnbq9Tg" data-analytic-play="" data-analytic-pause="" data-embed="default"></div> <div class="transcript-link-container"> <a id="transcript" target="_blank" href="/content/chase-ux/en/structured/module/video/transcript.html?url=https%3A%2F%2Fsecure.chasecdn.com%2Fcontent%2Fsite-services%2Fvideos%2Fvideo-library%2Fen%2Fgroups%2Fcpo%2Fpayment-days.transcript.html" class="transcript chaseanalytics-track-link" data-pt-name="Transcript_Tracking">Transcript</a> <br /> <a id="audioId" href="#" class="audio-description chaseanalytics-track-link" data-pt-name="Audio_tracking_on">Turn on audio description</a> <a id="audioId1" href="#" class="audio-description-link chaseanalytics-track-link" data-pt-name="Audio_Description_Tracking_Off">Turn off audio description</a> </div> </div> </div> </div> </script> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("ecfd238e-6784-4eec-a6f0-abfcdcbc5306"); }); }); </script> </div> </div> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_annualfee" content-link data-link="ccg_annualfee" data-pt-name="ccg_annualfee" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Annual Fee</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_annualfee" class="accordians__inner--content__buttons--desc"> <p>An annual fee is a yearly membership charge assessed on some business and consumer card accounts for keeping an account open. The fee helps cover the cost of delivering services and benefits such as cash-back and <em>Ultimate Rewards</em>. Not all Chase card products have annual membership fees.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_annualpercentrate" content-link data-link="ccg_annualpercentrate" data-pt-name="ccg_annualpercentrate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Annual Percentage Rate (Purchase APR)</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_annualpercentrate" class="accordians__inner--content__buttons--desc"> <p>The annual percentage rate (APR), indicated in your cardmember agreement, is the rate of interest charged to your account annually for <em>purchase transactions</em>. It may also be referred to as the Purchase APR. Your APR is important for calculating the amount of interest charges assessed on the outstanding purchase balance on your account.</p> <p><br /> Different interest rates may be assessed to your account depending on the type of transaction made. For example, the rate assessed on a cash advance (Cash Advance APR) is often higher than the rate assessed for purchase transactions. Check your cardmember agreement for details specific to your account.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_authorizeduser" content-link data-link="ccg_authorizeduser" data-pt-name="ccg_authorizeduser" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Authorized User</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_authorizeduser" class="accordians__inner--content__buttons--desc"> <p>An authorized user is a person listed on an account who has rights to use the account but isn't financially liable for the account. An authorized user can't change your account information, account password or request an increase/decrease of your total credit line. For business card accounts, employee cardholders are considered authorized users.</p> <p> </p> <p>Choose <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_glossary_authuser" data-pt-name="cc_glossary_authuser" href="/personal/credit-cards/add-authorized-user">add authorized user</a> or call the number on the back of your card to add an authorized user or employee cardholder.<br /> </p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_atm" content-link data-link="ccg_atm" data-pt-name="ccg_atm" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Automated Teller Machine (ATM)</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_atm" class="accordians__inner--content__buttons--desc"> <p>An unmanned electronic device that can perform basic banking functions. You can now make payments to your Chase credit card from your Chase bank account, and with cash or check at our ATMs.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_autopay" content-link data-link="ccg_autopay" data-pt-name="ccg_autopay" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Automatic Payment</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_autopay" class="accordians__inner--content__buttons--desc"> <p>You have the ability to set up recurring automatic payments from your bank account to your Chase credit card(s) each month on your payment due date (if your due date falls on a Saturday, we'll make your payment the Friday before).</p> <p> </p> <p>When you enroll, specify the pay-from account and how much you'd like to pay (e.g. your statement balance, your minimum payment due or fixed amount). You can edit or cancel your automatic payment settings at anytime.</p> <p> </p> <p>You can enroll in <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_ss_acc_autopayment" data-pt-name="cc_ss_acc_autopayment" href="/digital/autopay-routable">Automatic Payments</a> on chase.com or the mobile app.</p> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/bucket/personal/credit-cards/card-glossary-autopayment' class='scroll-tracking'> <div class="module bucket"><div class="module-bucket module-bucket--3col default remove-bottom-padding"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__desc"> <p><p style="text-align: center;"><strong>Set up automatic payments</strong></p> </p> </div> </div> <div id=4582919c-1e72-402f-a257-6cabbed5da5b class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link video-image"> <img src="" alt=""/> <a role="button" class="video--play-btn icon-play-video videoLink" href="#" data-pt-name="autopay-setup-mobile-video" data-video-details="autopay-setup-mobile"> <span class="accessible-text" >Set up Automatic Payments. Make sure your credit card is paid on time each month in the Chase Mobile app video.</span><span class="accessible-text" >Opens Overlay</span> </a> <script class="videoTemplate" type="text/template"> <div class="video-outer-container"> <div class="row col-sm-10 col-sm-offset-1 col-lg-12 col-lg-offset-0"> <div class="video-inner-container"> <a id="cancel" class="icon-close chaseanalytics-track-link" href="#" data-pt-name="Close_Video"aria-label="Close overlay"> </a> <div style="max-width: 100%;" id="bc-container" data-audio-video-name="autopay-setup-mobile" data-audio-video-id="6149689555001" data-video-id="6149689476001" data-account="4394098893001" data-player="ryYnbq9Tg" data-analytic-play="" data-analytic-pause="" data-embed="default"></div> <div class="transcript-link-container"> <a id="transcript" target="_blank" href="/content/chase-ux/en/structured/module/video/transcript.html?url=https%3A%2F%2Fsecure.chasecdn.com%2Fcontent%2Fsite-services%2Fvideos%2Fvideo-library%2Fen%2Fgroups%2Fcpo%2Fautopay-setup-mobile.transcript.html" class="transcript chaseanalytics-track-link" data-pt-name="Transcript_Tracking">Transcript</a> <br /> <a id="audioId" href="#" class="audio-description chaseanalytics-track-link" data-pt-name="Audio_tracking_on">Turn on audio description</a> <a id="audioId1" href="#" class="audio-description-link chaseanalytics-track-link" data-pt-name="Audio_Description_Tracking_Off">Turn off audio description</a> </div> </div> </div> </div> </script> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("4582919c-1e72-402f-a257-6cabbed5da5b"); }); }); </script> </div> </div> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_availablecredit" content-link data-link="ccg_availablecredit" data-pt-name="ccg_availablecredit" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Available Credit</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_availablecredit" class="accordians__inner--content__buttons--desc"> <p>Your available credit is the amount of your <em>credit limit</em> that is currently available for use.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_balance" content-link data-link="ccg_balance" data-pt-name="ccg_balance" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Balance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_balance" class="accordians__inner--content__buttons--desc"> <p>The balance on your credit card reflects the total amount that you owe Chase. </p> <p> </p> <p>Each monthly billing statement shows the “New Balance” on your account. This is your statement balance. If you pay your statement balance in full each month by the payment due date, you'll receive an <em>Interest Free Period</em> on purchases.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_baltransfer" content-link data-link="ccg_baltransfer" data-pt-name="ccg_baltransfer" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Balance Transfer</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_baltransfer" class="accordians__inner--content__buttons--desc"> <p>A balance transfer moves some or all of the amount you owe from one credit card to another, often to take advantage of a lower <em>annual percentage rate (Purchase APR)</em> or other promotional offer. Chase doesn't permit balance transfers from one Chase credit card to another Chase credit card. Balance transfer credit cards from Chase can help you save on interest by consolidating your higher interest rate credit card balances with other financial institutions onto one low introductory or promotional rate credit card with Chase. Fees may be associated with your balance transfer.</p> <p> </p> <p>If you're an existing card member, choose <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_glossary_transabal" data-pt-name="cc_glossary_transabal" href="/personal/credit-cards/balance-transfers">Transfer a balance</a> to see what offers are available to you. To compare balance transfer credit cards from Chase, choose <a rel="noopener" class="chaseanalytics-track-link regular-link " data-link-category-id="cc_glossary_baltranschase" data-pt-name="cc_glossary_baltranschase" href="https://creditcards.chase.com/?CELL=60KS&jp_cmp=cc/Balance+Transfer+MCP_Brand_Exact/sea/p25776329993/Chase+-+Balance+Transfer&gclid=EAIaIQobChMImY2-q4_R2AIVAVgNCh0TJA_7EAAYASAAEgLcC_D_BwE">a card for every need</a>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_billingcycle" content-link data-link="ccg_billingcycle" data-pt-name="ccg_billingcycle" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Billing Cycle</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_billingcycle" class="accordians__inner--content__buttons--desc"> <p>During the billing cycle, your credit card transactions are recorded and processed. At the end of the billing cycle, your credit card statement, indicating your <em>statement balance</em> and <em>minimum payment due</em>, is produced.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_cardmemagreement" content-link data-link="ccg_cardmemagreement" data-pt-name="ccg_cardmemagreement" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Cardmember Agreement</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_cardmemagreement" class="accordians__inner--content__buttons--desc"> <p>Your cardmember agreement contains written terms that govern your credit card account and represents a binding agreement between you and Chase. This agreement contains information on terms, conditions and responsibilities regarding interest charges, balances, payments, fees, dispute procedures, and other important information.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_accessline" content-link data-link="ccg_accessline" data-pt-name="ccg_accessline" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Cash Advance Limit (Cash Access Line)</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_accessline" class="accordians__inner--content__buttons--desc"> <p>Your cash advance limit designates the maximum amount of money Chase has agreed to loan to you at any one time in cash via cash advance or other <em>cash-like transactions</em>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_cashadv" content-link data-link="ccg_cashadv" data-pt-name="ccg_cashadv" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Cash Advance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_cashadv" class="accordians__inner--content__buttons--desc"> <p>You can use your credit card to withdraw cash at an ATM or from one of our branches. To use an ATM, you must have a personal identification number (PIN) for the credit card. To get a PIN, please call the number on the back of your card.</p> <p> </p> <p>Cash advances don't have an interest free period and the interest rate assessed on a cash advance is often higher than the rate assessed for purchase transactions. Check your cardmember agreement for details about your cash advance APR and other applicable fees that may apply.</p> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/bucket/personal/credit-cards/card-glossary-cash-advance-video' class='scroll-tracking'> <div class="module bucket"><div class="module-bucket module-bucket--3col default"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h4 style="text-align: center;"><b>What is a cash advance?</b></h4> </div> </div> <div id=8fe77a63-f8b5-44b2-9752-c2a62a733e0d class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link video-image"> <img src="/content/services/structured-image/image.mobile.jpg/chase-ux/bucket/secondary/personal/credit-cards/cash-advance-thumbnail.jpg" alt=""/> <a role="button" class="video--play-btn icon-play-video videoLink" href="#" data-pt-name="Video_tracking" data-video-details="cash-advance"> <span class="accessible-text" >What is a cash advance? video</span><span class="accessible-text" >Opens Overlay</span> </a> <script class="videoTemplate" type="text/template"> <div class="video-outer-container"> <div class="row col-sm-10 col-sm-offset-1 col-lg-12 col-lg-offset-0"> <div class="video-inner-container"> <a id="cancel" class="icon-close chaseanalytics-track-link" href="#" data-pt-name="Close_video"aria-label="Close overlay"> </a> <div style="max-width: 100%;" id="bc-container" data-audio-video-name="cash-advance" data-audio-video-id="6116775547001" data-video-id="6116775549001" data-account="4394098893001" data-player="ryYnbq9Tg" data-analytic-play="" data-analytic-pause="" data-embed="default"></div> <div class="transcript-link-container"> <a id="transcript" target="_blank" href="/content/chase-ux/en/structured/module/video/transcript.html?url=https%3A%2F%2Fsecure.chasecdn.com%2Fcontent%2Fsite-services%2Fvideos%2Fvideo-library%2Fen%2Fgroups%2Fcpo%2Fcash-advance.transcript.html" class="transcript chaseanalytics-track-link" data-pt-name="Transcript_tracking">Transcript</a> <br /> <a id="audioId" href="#" class="audio-description chaseanalytics-track-link" data-pt-name="Audio_tracking_on">Turn on audio description</a> <a id="audioId1" href="#" class="audio-description-link chaseanalytics-track-link" data-pt-name="Audio_Description_Tracking_Off">Turn off audio description</a> </div> </div> </div> </div> </script> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("8fe77a63-f8b5-44b2-9752-c2a62a733e0d"); }); }); </script> </div> </div> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_cashadvapr" content-link data-link="ccg_cashadvapr" data-pt-name="ccg_cashadvapr" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Cash Advance APR</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_cashadvapr" class="accordians__inner--content__buttons--desc"> <p>Your cash advance APR is the annual percentage rate used to calculate interest charges on credit card cash advances and cash-like transactions processed on your account. The interest rate assessed on a cash advance is often higher than the interest rate assessed for purchase transactions. Check your cardmember agreement for details specific to your account.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_cashliketrans" content-link data-link="ccg_cashliketrans" data-pt-name="ccg_cashliketrans" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Cash-like Transactions</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_cashliketrans" class="accordians__inner--content__buttons--desc"> <p>The following transactions will be treated as <em>cash advances</em>: purchasing travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions; purchasing lottery tickets, casino gaming chips, race track wagers or similar betting transactions; and making a payment using certain third party services.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_cgg_acc_mobile" content-link data-link="cgg_acc_mobile" data-pt-name="cgg_acc_mobile" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Chase Mobile<sup>®</sup></b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_cgg_acc_mobile" class="accordians__inner--content__buttons--desc"> <p>It takes just a few swipes to master the Chase Mobile<sup>®</sup> app and start managing your credit card and bank accounts the same way you do at chase.com. Just download it on your mobile device and use your same chase.com sign-in.</p> <p> </p> <p><a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_mobile_banking" data-pt-name="cc_acc_lnk_mobile_banking" href="/digital/mobile-banking" data-accessible-text=" about Chase mobile">Learn More</a></p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_cgg_acc_chase_offers" content-link data-link="cgg_acc_chase_offers" data-pt-name="cgg_acc_chase_offers" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Chase Offers</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_cgg_acc_chase_offers" class="accordians__inner--content__buttons--desc"> <p>With Chase Offers you can activate deals on the things you love in the Chase Mobile<sup>®</sup> app or chase.com. Simply sign in to the Chase Mobile app or chase.com to browse, activate and track your offers. Make sure you update your Chase Mobile app to see your offers.</p> <p> </p> <p><a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_merchantoffers" data-pt-name="cc_acc_lnk_merchantoffers" href="/personal/merchant-offers" data-accessible-text=" about Chase offers">Learn More</a></p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_cgg_acc_compounding" content-link data-link="cgg_acc_compounding" data-pt-name="cgg_acc_compounding" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Compounding</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_cgg_acc_compounding" class="accordians__inner--content__buttons--desc"> <p>In banking, compounding describes the frequency with which interest is computed and added to the principal of an account in order to arrive at a new actual balance.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_cgg_acc_contactlesspay" content-link data-link="cgg_acc_contactlesspay" data-pt-name="cgg_acc_contactlesspay" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Contactless Card Payments</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_cgg_acc_contactlesspay" class="accordians__inner--content__buttons--desc"> <p>Contactless payments use short-range proximity technology to securely complete payments between a contactless card and a contactless-enabled checkout terminal. Your contactless Chase Visa<sup>®</sup> card is a chip card that has a near-field communication (NFC) antenna, enabling close-range payments. When you tap your contactless Chase Visa<sup>®</sup> card at the contactless-enabled checkout terminal (near the Contactless Symbol), your payment is sent for authorization.</p> <p> </p> <p><a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_contactlesspay" data-accessible-text=" about Contactless Card Payments" data-pt-name="cc_acc_lnk_contactlesspay" href="/personal/credit-cards/contactless">Learn More</a></p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditaccessline" content-link data-link="ccg_creditaccessline" data-pt-name="ccg_creditaccessline" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Credit Limit (Credit Access Line)</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditaccessline" class="accordians__inner--content__buttons--desc"> <p>A credit limit or credit access line designates the maximum amount of money Chase has agreed to loan to you at any one time. If your <em>balance</em> should ever exceed the credit line, this is referred to as being overlimit.</p> <p> </p> <p>You may request an increase to your credit limit by calling the number on the back of your <em>credit card</em>; you cannot submit a request online at this time. Your request for an increase to your credit line is subject to the approval of Chase.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditbureau" content-link data-link="ccg_creditbureau" data-pt-name="ccg_creditbureau" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h2><b>Credit Bureau</b></h2> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditbureau" class="accordians__inner--content__buttons--desc"> <p>A credit bureau is an organization which collects and distributes credit information on individuals. Creditors, such as Chase, report information to the credit bureau about a customer and retrieve information from the credit bureau about a potential customer when making the decision of whether to extend a <em>line of credit</em> to someone. Basically, a credit bureau stores information about how a person has demonstrated their credit responsibility such as their repayment history of past and existing loans.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditcard" content-link data-link="ccg_creditcard" data-pt-name="ccg_creditcard" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Credit Card</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditcard" class="accordians__inner--content__buttons--desc"> <p>Your credit card represents your credit account, as it is imprinted with your account number, name and other relevant information. The card empowers you to make purchases for goods and services under the line of credit established by the card issuer (Chase).</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditcardappl" content-link data-link="ccg_creditcardappl" data-pt-name="ccg_creditcardappl" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Credit Card Application</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditcardappl" class="accordians__inner--content__buttons--desc"> <p>A credit card application refers to a customer's request to have Chase extend a <em>line of credit</em>.</p> <ul> <li><strong>Full Application</strong> - A full application is taken when Chase hasn't yet considered an applicant's credit history. A full application must be completed with all of the applicant's information in order to determine whether or not Chase can extend a <em>line of credit</em>. A full application includes a review of potential customer's credit report. A review of the credit report may alter the potential customer's credit score.</li> <li><strong>Pre-Approved Application</strong> – A pre-approved application may be provided to potential customers based on criteria contained on their <em>credit report</em> from the <em>credit bureaus</em> or on data that Chase has about the potential customer. However, before approving the applicant for credit there will be a <em>credit report</em> pulled to confirm the applicant still meets the criteria for the offer. A review of the credit report may alter the potential customer's credit score. Being pre-approved isn't a promise of approval.</li> </ul> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditinquiry" content-link data-link="ccg_creditinquiry" data-pt-name="ccg_creditinquiry" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Credit Inquiry</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditinquiry" class="accordians__inner--content__buttons--desc"> <p>A credit inquiry is a record of someone checking your credit information through a <em>credit bureau</em>. Inquiries come in two distinct categories: "hard inquiries" that occur when a business sees your <em>credit report</em> for the purpose of an <em>application for credit</em> and "soft inquiries" that occur when your credit is checked for other reasons or when you check your credit. If you apply for a new <em>credit card</em>, a hard inquiry record will appear on your <em>credit report </em>and may cause a temporary drop in your <em>credit score</em>. When you check your own <em>credit report</em>, or when it is checked for a pre-approved marketing purpose or for account management, it is considered a soft inquiry and won't harm your <em>credit score</em>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditjourney" content-link data-link="ccg_creditjourney" data-pt-name="ccg_creditjourney" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Credit Journey℠</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditjourney" class="accordians__inner--content__buttons--desc"> <p>Chase Credit Journey is provided to all Chase customers at no cost. Credit Journey provides access to your credit score (powered by VantageScore3.0<sup>®</sup>), monitoring alerts for credit activity, personalized insights, and credit resources to help build or maintain your credit health. Go to <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_lnk_creditjourney" data-pt-name="cc_lnk_creditjourney" href="/personal/credit-cards/chase-credit-journey">chase.com/creditjourney</a> for more information.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditreport" content-link data-link="ccg_creditreport" data-pt-name="ccg_creditreport" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Credit Report</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditreport" class="accordians__inner--content__buttons--desc"> <p>The primary information that a credit bureau report includes is repayment history of past and existing loans. Creditors, such as Chase, report information to the <em>credit bureau</em> about a customer and retrieve information from the <em>credit bureau</em> about a potential customer when making the decision of whether to extend a <em>line of credit</em> to someone. You're entitled to receive a free credit report every 12 months from each of the three major credit reporting agencies – Experian, Equifax and TransUnion. You can request these free annual credit reports at <a href="http://www.annualcreditreport.com/" data-pt-name="cc_glossary_annualcredit" class="chaseanalytics-track-link regular-link ">www.annualcreditreport.com</a>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditscore" content-link data-link="ccg_creditscore" data-pt-name="ccg_creditscore" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Credit Score</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditscore" class="accordians__inner--content__buttons--desc"> <p>Your credit score is a measure of your creditworthiness and may play an important role when you apply for credit. In fact, your credit score may help determine whether or not you qualify for a loan, the kind of loan you qualify for, how much credit you qualify for and what your <em>interest rate</em> will be.</p> <p><br /> Chase and other lenders may use different credit scores and other types of information to make credit decisions. In addition, because the information reported on you and the calculation of the score can vary from <em>credit bureau</em> to credit bureau, it is possible for you to have different scores at each of the three credit reporting agencies – Experian, Equifax and TransUnion.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_creditutilizratio" content-link data-link="ccg_creditutilizratio" data-pt-name="ccg_creditutilizratio" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Credit Utilization Ratio</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_creditutilizratio" class="accordians__inner--content__buttons--desc"> <p>Your credit utilization ratio, expressed as a percentage, measures the amount of your <em>credit limit </em>that is being used. A lower rate of utilization may have a positive impact to your <em>credit score</em>. To calculate the credit utilization ratio of an account, divide the <em>outstanding balance</em> by the <em>credit limit</em>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_currentbal" content-link data-link="ccg_currentbal" data-pt-name="ccg_currentbal" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Current Balance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_currentbal" class="accordians__inner--content__buttons--desc"> <p>The current balance is your most recent <em>statement balance </em>updated to reflect payments and other transactions that have posted since your last <em>statement </em>was generated. Your current balance may not reflect all transactions such as your most recent transactions, pending authorizations, or interest that’s accumulated since your last statement.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_cycledate" content-link data-link="ccg_cycledate" data-pt-name="ccg_cycledate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Cycle Date</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_cycledate" class="accordians__inner--content__buttons--desc"> <p>The date the billing cycle ends and your statement is generated.<br /> </p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_dailycompinst" content-link data-link="ccg_dailycompinst" data-pt-name="ccg_dailycompinst" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Daily Compounding Interest</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_dailycompinst" class="accordians__inner--content__buttons--desc"> <p>A method of computing <em>interest charges </em>using a <em>daily periodic rate</em>, in which each day is a compounding period. On the statement’s <em>cycle date</em> each day's <em>balance</em> is multiplied by the daily periodic rate resulting in a daily interest charge. Each day's interest charges are added together to determine the total interest charge for the <em>billing cycle</em>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_default" content-link data-link="ccg_default" data-pt-name="ccg_default" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Default</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_default" class="accordians__inner--content__buttons--desc"> <p>Your account will be in default if:</p> <ol> <li>You don't pay at least the <em>minimum payment </em>when due;</li> <li>You fail to comply with your <em>cardmember agreement </em>or other agreements with us or one of our related banks; or</li> <li>We believe you may be unwilling or unable to pay your debts on time; you file for bankruptcy; or you become incapacitated or die.</li> </ol> <p>If your account is in default, we may close it without notice and require you to pay your unpaid <em>balance</em> immediately. We can also begin collection activities. To the extent permitted by law, if you're in default because you have failed to pay us, we'll require you to pay our collection costs, attorneys’ fees, court costs, and all other expenses of enforcing our rights under your <em>cardmember agreement</em>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_dispute" content-link data-link="ccg_dispute" data-pt-name="ccg_dispute" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Dispute</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_dispute" class="accordians__inner--content__buttons--desc"> <p>A dispute occurs when a customer questions the validity of a charge on their account. If you suspect a charge on your account may be fraud rather than a billing error, please contact us immediately at the number on the back of your card.</p> <p> </p> <p>You may be able to submit a dispute online. Go to <a class="chaseanalytics-track-link regular-link " data-pt-name="cc_glossary_dispute" href="/personal/credit-cards/dispute">chase.com/disputes</a> for more information about how to submit a dispute.</p> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/bucket/personal/credit-cards/card-glossary-dispute-transaction' class='scroll-tracking'> <div class="module bucket"><div class="module-bucket module-bucket--3col default remove-bottom-padding"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__desc"> <p><p style="text-align: center;"><strong>Dispute a transaction</strong></p> </p> </div> </div> <div id=cc15e706-411b-4de4-a38a-b408516d354d class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link video-image"> <img src="" alt=""/> <a role="button" class="video--play-btn icon-play-video videoLink" href="#" data-pt-name="dispute-transactions-web-video" data-video-details="dispute-transactions-web"> <span class="accessible-text" >Report a problem with a transaction. Charged for something you shouldn't have? Submit and track it on chase.com video.</span><span class="accessible-text" >Opens Overlay</span> </a> <script class="videoTemplate" type="text/template"> <div class="video-outer-container"> <div class="row col-sm-10 col-sm-offset-1 col-lg-12 col-lg-offset-0"> <div class="video-inner-container"> <a id="cancel" class="icon-close chaseanalytics-track-link" href="#" data-pt-name="Close_Video"aria-label="Close overlay"> </a> <div style="max-width: 100%;" id="bc-container" data-audio-video-name="dispute-transactions-web" data-audio-video-id="6168017154001" data-video-id="6168017152001" data-account="4394098893001" data-player="ryYnbq9Tg" data-analytic-play="" data-analytic-pause="" data-embed="default"></div> <div class="transcript-link-container"> <a id="transcript" target="_blank" href="/content/chase-ux/en/structured/module/video/transcript.html?url=https%3A%2F%2Fsecure.chasecdn.com%2Fcontent%2Fsite-services%2Fvideos%2Fvideo-library%2Fen%2Fgroups%2Fcpo%2Fdispute-transactions-web.transcript.html" class="transcript chaseanalytics-track-link" data-pt-name="Transcript_Tracking">Transcript</a> <br /> <a id="audioId" href="#" class="audio-description chaseanalytics-track-link" data-pt-name="Audio_tracking_on">Turn on audio description</a> <a id="audioId1" href="#" class="audio-description-link chaseanalytics-track-link" data-pt-name="Audio_Description_Tracking_Off">Turn off audio description</a> </div> </div> </div> </div> </script> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("cc15e706-411b-4de4-a38a-b408516d354d"); }); }); </script> </div> </div> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_cc_ss_acc_dcc" content-link data-link="cc_ss_acc_dcc" data-pt-name="cc_ss_acc_dcc" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Dynamic Currency Conversion</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_cc_ss_acc_dcc" class="accordians__inner--content__buttons--desc"> <p>With dynamic currency conversion, merchants outside the U.S. can let you pay with your credit card in U.S. dollars (USD) instead of the local currency. If you choose to pay in USD, the merchant takes care of the currency conversion.</p> <p> </p> <p>Keep in mind: When you make purchases with your credit card outside the U.S., it may be cheaper to pay in local currency.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#a-through-e_ccg_effectivedate" content-link data-link="ccg_effectivedate" data-pt-name="ccg_effectivedate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Effective Date</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="a-through-e_ccg_effectivedate" class="accordians__inner--content__buttons--desc"> <p>The effective date or payment date is the day a payment is applied toward your <em>balance</em>.</p> </section> </div> </section> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="stickysubheadersecti_4 stickysubheadersection"><div class="topic--section" id="cc_nav_glossary_ftoj"> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/accordion/personal/credit-cards/glossary1' class='scroll-tracking'> <div class="module accordion"><div class="accordians feature-container"> <div class="accordians__inner"> <div class="accordians__inner--heading"> <h2>F - J</h2> </div> <div id="f-through-j" class="accordians__inner--content"> <div class="accordians_section_container"> <div class="accordians-section-container parsys"><div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_fees" content-link data-link="ccg_fees" data-pt-name="ccg_fees" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Fees</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_fees" class="accordians__inner--content__buttons--desc"> <p>Common fees and charges associated with credit card accounts include <em>finance charges</em>, <em>late fees</em>, <em>annual fees</em>, <em>balance transfer </em>fees, cash advance<em> </em>fees, and <em>returned payment fees</em>. Check your <em>cardmember agreement</em> for details on what fees and charges may be associated with your account.</p> <p><br /> You should also be aware that <em>balance transfers</em>, checks, <em>cash advances</em>, and overdraft advances don't have an <em>interest free period</em>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_fixedrate" content-link data-link="ccg_fixedrate" data-pt-name="ccg_fixedrate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Fixed Rate</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_fixedrate" class="accordians__inner--content__buttons--desc"> <p>A fixed rate is an <em>annual percentage rate </em>(APR) that doesn't fluctuate with a financial index. This is in contrast to a <em>variable rate</em>, which does fluctuate with an index.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_ffo" content-link data-link="ccg_ffo" data-pt-name="ccg_ffo" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Flexible Financing Offers</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_ffo" class="accordians__inner--content__buttons--desc"> <p>When you take advantage of Flexible Financing Offers, like those available with <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_mychaseloan" data-pt-name="cc_acc_lnk_mychaseloan" href="/personal/credit-cards/mychaseloan">My Chase Loan<sup>®</sup></a> and <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_mychaseplan" data-pt-name="cc_acc_lnk_mychaseplan" href="/personal/credit-cards/mychaseplan">My Chase Plan<sup>®</sup></a>, you can pay those balances over time based on their offer terms and still avoid additional interest charges on new purchases.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_floatpay" content-link data-link="ccg_floatpay" data-pt-name="ccg_floatpay" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Float Pay</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_floatpay" class="accordians__inner--content__buttons--desc"> <p>Under normal circumstances, when a payment is made, it posts to the customer's account immediately and results in a corresponding increase in the customer's <em>available credit</em>. Float pay applies the customer's payment to their account, but doesn't release a corresponding amount of <em>available credit</em>. Instead, the release of credit is held for seven days, allowing sufficient time to ensure the customer has sufficient funds to cover the payment.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_foreigntransfee" content-link data-link="ccg_foreigntransfee" data-pt-name="ccg_foreigntransfee" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Foreign Transaction Fee</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_foreigntransfee" class="accordians__inner--content__buttons--desc"> <p>Foreign transaction fees are assessed by your credit card bank for each transaction made in currency other than U.S. dollars. This can include internet sites based outside of the U.S.</p> <p> </p> <p>Not all Chase card products have foreign transaction fees. If you have one, it's outlined in your cardmember agreement.</p> <p> </p> <p><strong>Tips for using your credit card while traveling abroad</strong></p> <p>If a merchant operating outside the U.S. offers Dynamic Currency Conversion when you use your credit card at the point of sale, it still may be cheaper to pay with your credit card in local currency and incur the foreign transaction fee, if applicable. For example, let's say you want to purchase a sweater from a British retailer using your credit card; at checkout the retailer gives you the option to process the credit card payment in local currency (£85) or U.S. Dollars ($110). If you choose U.S. Dollars, the merchant has already handled the currency conversion for you. However, if you choose local currency, Visa/Mastercard handle the currency conversion ($105) and your credit card bank assesses a foreign transaction fee (3%, totaling $108.15), if applicable.</p> <p> </p> <p><em>Note: all figures and conversions are for illustrative purposes only</em></p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_fraud" content-link data-link="ccg_fraud" data-pt-name="ccg_fraud" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Fraud</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_fraud" class="accordians__inner--content__buttons--desc"> <p>In the banking industry, fraud is typically defined as illegal activity or usage of an account or information which can potentially affect another individual's credit status. Go to <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_glossary_fraudprotect" data-pt-name="cc_glossary_fraudprotect" href="/digital/fraud-security">Fraud Protection</a> to learn the steps we take to keep your information safe and what you can do to be even more secure.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_cgg_acc_fraudprotection" content-link data-link="cgg_acc_fraudprotection" data-pt-name="cgg_acc_fraudprotection" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Fraud Protection</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_cgg_acc_fraudprotection" class="accordians__inner--content__buttons--desc"> <p>We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. To assist us, please <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_updatephoneno" data-pt-name="cc_acc_lnk_updatephoneno" href="/personal/credit-cards/update-your-phone-number">update your phone number</a> in case we need to contact you quickly.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_interestcharges" content-link data-link="ccg_interestcharges" data-pt-name="ccg_interestcharges" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Interest Charges</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_interestcharges" class="accordians__inner--content__buttons--desc"> <p>Interest charges refer to one type of finance charges, which accrue on an account as a result of revolving a balance that is subject to an interest rate. In essence, interest charges is the amount assessed for allowing you to pay a portion of the balance, rather than pay the account in full immediately.</p> <p> </p> <p>Different interest rates may be assessed to your account depending on the type of transactions made. Some interest charges may begin to accumulate on the day of a transaction, if that type of transaction doesn't have an interest free period. For example, cash advances don't have an interest free period and the rate assessed on a cash advance is often higher than the rate assessed for purchase transactions. Check your cardmember agreement for details specific to your account.</p> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/bucket/personal/credit-cards/card-glossary-interest-charge-video' class='scroll-tracking'> <div class="module bucket"><div class="module-bucket module-bucket--3col default"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h4 style="text-align: center;"><b>How is interest charged on my Chase credit card?</b></h4> </div> </div> <div id=cd3fa4ce-7980-4112-a53a-58d56a68c8ab class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link video-image"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/credit-cards/card-resources-interest.png" alt=""/> <a role="button" class="video--play-btn icon-play-video videoLink" href="#" data-pt-name="video-tracking" data-video-details="cc-resources-interest"> <span class="accessible-text" >How is interest charged on my Chase credit card? video</span><span class="accessible-text" >Opens Overlay</span> </a> <script class="videoTemplate" type="text/template"> <div class="video-outer-container"> <div class="row col-sm-10 col-sm-offset-1 col-lg-12 col-lg-offset-0"> <div class="video-inner-container"> <a id="cancel" class="icon-close chaseanalytics-track-link" href="#" data-pt-name="close-video"aria-label="Close Video"> </a> <div style="max-width: 100%;" id="bc-container" data-audio-video-name="cc-resources-interest" data-audio-video-id="5844982695001" data-video-id="5844978557001" data-account="4394098893001" data-player="ryYnbq9Tg" data-analytic-play="" data-analytic-pause="" data-embed="default"></div> <div class="transcript-link-container"> <a id="transcript" target="_blank" href="/content/chase-ux/en/structured/module/video/transcript.html?url=https%3A%2F%2Fsecure.chasecdn.com%2Fcontent%2Fvideos%2Fvideo-library%2Fen%2Fgroups%2Fcpo%2Fcc-resources-interest.transcript.html" class="transcript chaseanalytics-track-link" data-pt-name="transcript-tracking">Transcript</a> <br /> <a id="audioId" href="#" class="audio-description chaseanalytics-track-link" data-pt-name="audio-tracking-on">Turn on audio description</a> <a id="audioId1" href="#" class="audio-description-link chaseanalytics-track-link" data-pt-name="audio-description-off">Turn off audio description</a> </div> </div> </div> </div> </script> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("cd3fa4ce-7980-4112-a53a-58d56a68c8ab"); }); }); </script> </div> </div> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_interestfreeprd" content-link data-link="ccg_interestfreeprd" data-pt-name="ccg_interestfreeprd" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Interest Free Period</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_interestfreeprd" class="accordians__inner--content__buttons--desc"> <p>The interest free period, also known as the grace period, is the period in which you can pay a balance in full without accruing interest charges on new purchases. Your due date will be a minimum of 21 days after the close of each billing cycle. We won't charge you interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month.</p> <p> </p> <p>Interest free periods for Business accounts may vary. Balance Transfers, Checks, Cash Advances, and Overdraft Advances don't have an interest free period.</p> <p> </p> <p>Some credit card products may offer a promotional or introductory rate with an extended interest free period for a limited amount of time.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_interestrate" content-link data-link="ccg_interestrate" data-pt-name="ccg_interestrate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Interest Rate</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_interestrate" class="accordians__inner--content__buttons--desc"> <p>An interest rate is used to compute interest charges on credit accounts. Please refer to your annual percentage rates indicated in your cardmember agreement for the specific rates for purchases (Purchase APR) and other transactions on your credit card account.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_cgg_acc_interestsavingbalance" content-link data-link="cgg_acc_interestsavingbalance" data-pt-name="cgg_acc_interestsavingbalance" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Interest Saving Balance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_cgg_acc_interestsavingbalance" class="accordians__inner--content__buttons--desc"> <p>When you take advantage of Flexible Financing Offers, we won't charge you interest on new purchases if you pay your entire Interest Saving Balance by the due date each month.</p> <p> </p> <p>If your Interest Saving Balance for any billing cycle is less than your minimum payment due, your Interest Saving Balance amount will reflect your minimum payment due to avoid a late fee.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#f-through-j_ccg_Introductoryrate" content-link data-link="ccg_Introductoryrate" data-pt-name="ccg_Introductoryrate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Introductory Rate</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="f-through-j_ccg_Introductoryrate" class="accordians__inner--content__buttons--desc"> <p>Some credit card products may offer a promotional or introductory rate with an extended interest free period for a limited amount of time. Check your cardmember agreement for details specific to your account.</p> </section> </div> </section> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="stickysubheadersecti_1 stickysubheadersection"><div class="topic--section" id="cc_nav_glossary_ktoo"> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/accordion/personal/credit-cards/glossary2' class='scroll-tracking'> <div class="module accordion"><div class="accordians feature-container"> <div class="accordians__inner"> <div class="accordians__inner--heading"> <h2>K - O</h2> </div> <div id="k-through-o" class="accordians__inner--content"> <div class="accordians_section_container"> <div class="accordians-section-container parsys"><div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#k-through-o_ccg_latefee" content-link data-link="ccg_latefee" data-pt-name="ccg_latefee" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Late Fee</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="k-through-o_ccg_latefee" class="accordians__inner--content__buttons--desc"> <p>If you're behind on a payment, we may charge a late payment fee. For more information, please see your cardmember agreement.</p> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/bucket/personal/credit-cards/card-glossary-late-fee-video' class='scroll-tracking'> <div class="module bucket"><div class="module-bucket module-bucket--3col default"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__desc"> <p><p style="text-align: center;"><strong>How do I avoid paying late fees?</strong></p> </p> </div> </div> <div id=c60f558f-d964-4283-8902-ae79168f2ead class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link video-image"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/credit-cards/card-resources-fees.png" alt=""/> <a role="button" class="video--play-btn icon-play-video videoLink" href="#" data-pt-name="video-tracking" data-video-details="cc-resources-fee"> <span class="accessible-text" >How to avoid late fees? video</span><span class="accessible-text" >Opens Overlay</span> </a> <script class="videoTemplate" type="text/template"> <div class="video-outer-container"> <div class="row col-sm-10 col-sm-offset-1 col-lg-12 col-lg-offset-0"> <div class="video-inner-container"> <a id="cancel" class="icon-close chaseanalytics-track-link" href="#" data-pt-name="close-video"aria-label="Close Video"> </a> <div style="max-width: 100%;" id="bc-container" data-audio-video-name="cc-resources-fee" data-audio-video-id="5843926227001" data-video-id="5843927675001" data-account="4394098893001" data-player="ryYnbq9Tg" data-analytic-play="" data-analytic-pause="" data-embed="default"></div> <div class="transcript-link-container"> <a id="transcript" target="_blank" href="/content/chase-ux/en/structured/module/video/transcript.html?url=https%3A%2F%2Fsecure.chasecdn.com%2Fcontent%2Fsite-services%2Fvideos%2Fvideo-library%2Fen%2Fgroups%2Fcpo%2Fcc-resources-fee.transcript.html" class="transcript chaseanalytics-track-link" data-pt-name="transcript-tracking">Transcript</a> <br /> <a id="audioId" href="#" class="audio-description chaseanalytics-track-link" data-pt-name="audio-tracking-on">Turn on audio description</a> <a id="audioId1" href="#" class="audio-description-link chaseanalytics-track-link" data-pt-name="audio-description-off">Turn off audio description</a> </div> </div> </div> </div> </script> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("c60f558f-d964-4283-8902-ae79168f2ead"); }); }); </script> </div> </div> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#k-through-o_ccg_minipaymentdue" content-link data-link="ccg_minipaymentdue" data-pt-name="ccg_minipaymentdue" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Minimum Payment Due</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="k-through-o_ccg_minipaymentdue" class="accordians__inner--content__buttons--desc"> <p>The minimum payment due is the minimum amount that must be paid to keep your account current. If you make only the minimum payment each period, you'll pay more in interest charges and it'll take you longer to pay off your balance. If we don't receive your minimum payment by the payment due date, you may have to pay a late fee of up to $37.00.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#k-through-o_ccg_mychaseloan" content-link data-link="ccg_mychaseloan" data-pt-name="ccg_mychaseloan" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>My Chase Loan<sup>®</sup></b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="k-through-o_ccg_mychaseloan" class="accordians__inner--content__buttons--desc"> <p>My Chase Loan<sup>®</sup> allows you to borrow money from your credit card’s available credit with no credit check, no application and no fees. Choose your loan amount and duration, then enjoy a fixed Annual Percentage Rate (APR) that’s lower than your card’s standard purchase APR. For more info, go to <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_mychaseloan1" data-pt-name="cc_acc_lnk_mychaseloan1" href="/personal/credit-cards/mychaseloan">chase.com/MyChaseLoan</a>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#k-through-o_ccg_mychaseplan" content-link data-link="ccg_mychaseplan" data-pt-name="ccg_mychaseplan" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>My Chase Plan<sup>®</sup></b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="k-through-o_ccg_mychaseplan" class="accordians__inner--content__buttons--desc"> <p>My Chase Plan<sup>®</sup> lets you pay off a purchase over time in fixed, monthly payments. There’s no interest for this purchase once it’s placed in a plan, just a fixed monthly fee. You can start a plan for an eligible purchase of $100 or higher in your account activity, or through the My Chase Plan dashboard. For more info, go to <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_mychaseplan1" data-pt-name="cc_acc_lnk_mychaseplan1" href="/personal/credit-cards/mychaseplan">chase.com/MyChasePlan</a>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#k-through-o_ccg_outstandbal" content-link data-link="ccg_outstandbal" data-pt-name="ccg_outstandbal" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Outstanding Balance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="k-through-o_ccg_outstandbal" class="accordians__inner--content__buttons--desc"> <p>The outstanding amount on your credit card account that hasn't been paid off.</p> </section> </div> </section> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="stickysubheadersecti_2 stickysubheadersection"><div class="topic--section" id="cc_nav_glossary_ptot"> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/accordion/personal/credit-cards/glossary3' class='scroll-tracking'> <div class="module accordion"><div class="accordians feature-container"> <div class="accordians__inner"> <div class="accordians__inner--heading"> <h2>P - T</h2> </div> <div id="p-through-t" class="accordians__inner--content"> <div class="accordians_section_container"> <div class="accordians-section-container parsys"><div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_paidinfull" content-link data-link="ccg_paidinfull" data-pt-name="ccg_paidinfull" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Paid In Full</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_paidinfull" class="accordians__inner--content__buttons--desc"> <p>Paying in full is the act of paying the complete balance on an account.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_cgg_acc_payinginterest" content-link data-link="cgg_acc_payinginterest" data-pt-name="cgg_acc_payinginterest" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Paying Interest</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_cgg_acc_payinginterest" class="accordians__inner--content__buttons--desc"> <p>Your due date will be a minimum of 21 days after the close of each billing cycle. We won't charge you interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. We'll begin charging interest on balance transfers and cash advances on the transaction date.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_payallocation" content-link data-link="ccg_payallocation" data-pt-name="ccg_payallocation" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Payment Allocation</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_payallocation" class="accordians__inner--content__buttons--desc"> <p>When you make a payment, generally, we first apply your minimum payment to the balance on your monthly statement with the lowest annual percentage rate (APR). Any payment above your minimum payment would generally then be applied to the balance on your monthly statement with the highest APR first. If you do not pay your balance in full each month, you may not be able to avoid interest charges on new purchases. We generally apply payments to balances as they appear on your monthly statement before being applied to new transactions. An example of a new transaction is a recent purchase you made that has not yet been included in the New Balance as shown on your statement.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_paymentduedate" content-link data-link="ccg_paymentduedate" data-pt-name="ccg_paymentduedate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Payment Due Date</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_paymentduedate" class="accordians__inner--content__buttons--desc"> <p>Payments are due on the date shown on your monthly billing statement, chase.com and our mobile app.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_payoffbalance" content-link data-link="ccg_payoffbalance" data-pt-name="ccg_payoffbalance" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Payoff Balance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_payoffbalance" class="accordians__inner--content__buttons--desc"> <p>The payoff balance is the total <em>outstanding balance </em>on an account required to be paid to bring the account’s <em>balance</em> to $0.00. You can call the number on the back of your card to request an estimate of your total payoff balance from a specialist. Your <em>current balance</em>, reflected on Chase.com, may not be your total payoff balance because it may not include all transactions such as your most recent transactions, pending authorizations, or interest that’s accumulated since your last statement was generated.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_periodicrate" content-link data-link="ccg_periodicrate" data-pt-name="ccg_periodicrate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Periodic Rate</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_periodicrate" class="accordians__inner--content__buttons--desc"> <p>A periodic rate is a method of expressing <em>the annual percentage rate </em>(APR) over a briefer time period. To obtain your <em>monthly periodic rate</em>, divide your <em>annual percentage rate</em> (APR) by 12 (as there are 12 months in a year). To obtain your <em>daily periodic rate</em>, divide <em>the annual percentage rate</em> (APR) by 365 (as there are 365 days in a year).</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_primerate" content-link data-link="ccg_primerate" data-pt-name="ccg_primerate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Prime Rate</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_primerate" class="accordians__inner--content__buttons--desc"> <p>The Prime Rate is a financial index upon which many variable rates are based; the Prime Rate is a key U.S. lending indicator. The Prime Rate that Chase uses as the basis for variable rates is the U.S. Prime Rate published in the Money Rates section of <em>The Wall Street Journal</em> two business days (not weekends or holidays) before the closing date shown on your billing statement. Chase uses the Prime Rate as the index to set variable APRs for credit card accounts. Variable APRs may increase or decrease each month if the Prime Rate changes.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_promorate" content-link data-link="ccg_promorate" data-pt-name="ccg_promorate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Promotional Rate</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_promorate" class="accordians__inner--content__buttons--desc"> <p>A promotional rate is a special rate on an account, available for a limited amount of time, for a portion of the <em>balance</em>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_purchasetrans" content-link data-link="ccg_purchasetrans" data-pt-name="ccg_purchasetrans" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Purchase Transactions</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_purchasetrans" class="accordians__inner--content__buttons--desc"> <p>Purchase transactions are standard transactions made on an account to buy goods and services.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_qualificationprd" content-link data-link="ccg_qualificationprd" data-pt-name="ccg_qualificationprd" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Qualification Period</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_qualificationprd" class="accordians__inner--content__buttons--desc"> <p>The time frame during a promotional offer that the customer must make the qualifying purchase, <em>balance transfer</em>, use a check that accesses the account, etc. in order to qualify for the promotional offer.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_stmt_balance" content-link data-link="ccg_stmt_balance" data-pt-name="ccg_stmt_balance" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Remaining Statement Balance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_stmt_balance" class="accordians__inner--content__buttons--desc"> <p>The remaining statement balance is your most recent statement balance adjusted for payments, returned payments, and applicable credits since your last statement closing date. This is the remaining amount you should pay in order to avoid interest on future purchases.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_resiintcharges" content-link data-link="ccg_resiintcharges" data-pt-name="ccg_resiintcharges" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Residual Interest Charges</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_resiintcharges" class="accordians__inner--content__buttons--desc"> <p>Generally, residual interest , also known as trailing interest, is the amount of interest charged from the date the last statement was generated until the date the balance was paid in full.</p> <p> </p> <p>If you carry a revolving balance, you may notice residual interest charges on a newly generated statement after having paid your prior statement off in full. These interest charges accrued between the date your prior statement was issued and the date the balance was paid in full.</p> <p> </p> <p>Interest accumulates daily but isn't charged to your account balance until the end of the billing cycle. This is why you may encounter residual interest charges.</p> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/bucket/personal/credit-cards/card-glossary-residual-interest-video' class='scroll-tracking'> <div class="module bucket"><div class="module-bucket module-bucket--3col default"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__desc"> <p><p style="text-align: center;"><strong>What is Residual Interest?</strong></p> </p> </div> </div> <div id=b93bb8f8-9c0c-46dd-8f0e-4a6bf60e8331 class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link video-image"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/credit-cards/card-resources-interest.png" alt=""/> <a role="button" class="video--play-btn icon-play-video videoLink" href="#" data-pt-name="video-tracking" data-video-details="cc-resources-interest"> <span class="accessible-text" >How is interest charged on my Chase credit card? video</span><span class="accessible-text" >Opens Overlay</span> </a> <script class="videoTemplate" type="text/template"> <div class="video-outer-container"> <div class="row col-sm-10 col-sm-offset-1 col-lg-12 col-lg-offset-0"> <div class="video-inner-container"> <a id="cancel" class="icon-close chaseanalytics-track-link" href="#" data-pt-name="close-video"aria-label="Close Video"> </a> <div style="max-width: 100%;" id="bc-container" data-audio-video-name="cc-resources-interest" data-audio-video-id="5844982695001" data-video-id="5844978557001" data-account="4394098893001" data-player="ryYnbq9Tg" data-analytic-play="" data-analytic-pause="" data-embed="default"></div> <div class="transcript-link-container"> <a id="transcript" target="_blank" href="/content/chase-ux/en/structured/module/video/transcript.html?url=https%3A%2F%2Fsecure.chasecdn.com%2Fcontent%2Fvideos%2Fvideo-library%2Fen%2Fgroups%2Fcpo%2Fcc-resources-interest.transcript.html" class="transcript chaseanalytics-track-link" data-pt-name="transcript-tracking">Transcript</a> <br /> <a id="audioId" href="#" class="audio-description chaseanalytics-track-link" data-pt-name="audio-tracking-on">Turn on audio description</a> <a id="audioId1" href="#" class="audio-description-link chaseanalytics-track-link" data-pt-name="audio-description-off">Turn off audio description</a> </div> </div> </div> </div> </script> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("b93bb8f8-9c0c-46dd-8f0e-4a6bf60e8331"); }); }); </script> </div> </div> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_returnpaymentfee" content-link data-link="ccg_returnpaymentfee" data-pt-name="ccg_returnpaymentfee" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Returned Payment Fee</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_returnpaymentfee" class="accordians__inner--content__buttons--desc"> <p>Payments submitted to Chase are occasionally refused or dishonored by the bank the payment is drawn on. The payment credit previously posted will be added back to the account balance. Depending on the circumstances, a returned payment fee may or may not be assessed and the customer may be placed on <em>float pay</em> status.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_revolvbal" content-link data-link="ccg_revolvbal" data-pt-name="ccg_revolvbal" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Revolving Balance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_revolvbal" class="accordians__inner--content__buttons--desc"> <p>A revolving balance is when a customer elects not to pay their balance in full by the statement due date and instead carries a balance into the next billing cycle. The portion of the account balance that is not paid is said to “revolve.”</p> <p> </p> <p>If there is a revolving balance on the account, the account is not in an interest free period and interest charges will accrue on the account balance and new purchases.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_cgg_acc_spendingreport" content-link data-link="cgg_acc_spendingreport" data-pt-name="cgg_acc_spendingreport" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Spending Report</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_cgg_acc_spendingreport" class="accordians__inner--content__buttons--desc"> <p>Your spending report shows how much you spent in each merchant category so far this year or the entire previous year.</p> <p> </p> <p>Choose <a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_yrendsummary" data-pt-name="cc_acc_lnk_yrendsummary" href="/personal/credit-cards/spend-report">spending report</a> to see your spending report and Year-end summary.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_statement" content-link data-link="ccg_statement" data-pt-name="ccg_statement" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Statement</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_statement" class="accordians__inner--content__buttons--desc"> <p>Your billing statement is a document generated each month during which there is a balance and / or activity on your account. The statement itemizes the activity (e.g. purchases, fees, interest, payments) which occurred on the account during the billing cycle. The statement also indicates your new balance, minimum payment due, and payment due date.</p> <p> </p> <p>On the back of the statement is a description of interest charge calculations, a summarized description of certain account terms, including your billing rights, and other important information.</p> <p> </p> <p>You can <a class="chaseanalytics-track-link regular-link " data-pt-name="cc_lnk_statement" href="/personal/mobile-online-banking/statements">see your statement</a> on chase.com or the Chase mobile app.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_statementbal" content-link data-link="ccg_statementbal" data-pt-name="ccg_statementbal" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Statement Balance</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_statementbal" class="accordians__inner--content__buttons--desc"> <p>The statement balance is the “New Balance” amount indicated on your monthly <em>billing statement</em>. This amount doesn't reflect any activity that has occurred since your last <em>statement </em>was generated.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#p-through-t_ccg_travelnotification" content-link data-link="ccg_travelnotification" data-pt-name="ccg_travelnotification" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Travel Notification</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="p-through-t_ccg_travelnotification" class="accordians__inner--content__buttons--desc"> <p>You can use your card in most countries outside the U.S.</p> <p> </p> <p>We've got you covered!</p> <p> </p> <p>With our enhanced security measures:</p> <ul> <li>You don't need to set up travel notifications anymore.</li> <li>We'll send you fraud alerts if we see any possible identity theft.</li> <li>We'll alert you if we notice any unusual behavior on your account.</li> </ul> </section> </div> </section> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="stickysubheadersecti_2013015613 stickysubheadersection"><div class="topic--section" id="cc_nav_glossary_utoz"> <div data-scroll-tracking-module-name='/content/chase-ux/en/structured/module/accordion/personal/credit-cards/glossary4' class='scroll-tracking'> <div class="module accordion"><div class="accordians feature-container"> <div class="accordians__inner"> <div class="accordians__inner--heading"> <h3>U - Z</h3> </div> <div id="u-through-z" class="accordians__inner--content"> <div class="accordians_section_container"> <div class="accordians-section-container parsys"><div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#u-through-z_ccg_ultimaterewards" content-link data-link="ccg_ultimaterewards" data-pt-name="ccg_ultimaterewards" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Ultimate Rewards</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="u-through-z_ccg_ultimaterewards" class="accordians__inner--content__buttons--desc"> <p>Chase provides a variety of ways for customers to earn and redeem reward benefits. If you have a Chase credit card with Ultimate Rewards<sup>®</sup> you can find information about our Ultimate Rewards program by visiting your <a class="chaseanalytics-track-link regular-link " data-pt-name="ccg_ultimaterewards" href="/personal/credit-cards/ultimate-rewards">Ultimate Rewards Points Dashboard</a>.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#u-through-z_ccg_variablerate" content-link data-link="ccg_variablerate" data-pt-name="ccg_variablerate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Variable Rate</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="u-through-z_ccg_variablerate" class="accordians__inner--content__buttons--desc"> <p>A variable rate is an <em>annual percentage rate</em> (APR) that is set by using a margin over a financial index, such as the U.S. <em>Prime Rate</em> published in the Money Rates section of The Wall Street Journal. This is in contrast to a <em>fixed rate</em>, which doesn't fluctuate with a financial index.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#u-through-z_cgg_acc_yrendsummary" content-link data-link="cgg_acc_yrendsummary" data-pt-name="cgg_acc_yrendsummary" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Year-end Summary</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="u-through-z_cgg_acc_yrendsummary" class="accordians__inner--content__buttons--desc"> <p>Your Year-end summary shows how much you spent in each merchant category for an entire year.</p> <p> </p> <p><a class="chaseanalytics-track-link regular-link " data-link-category-id="cc_acc_lnk_yearendsummary" data-pt-name="cc_acc_lnk_yearendsummary" href="/personal/credit-cards/spend-report">Sign in</a> to see your spending report and Year-end summary.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#u-through-z_cgg_acc_zeroliability" content-link data-link="cgg_acc_zeroliability" data-pt-name="cgg_acc_zeroliability" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3><b>Zero Liability Protection</b></h3> </span> <span class="accessible-text accordian"></span> </button> <section id="u-through-z_cgg_acc_zeroliability" class="accordians__inner--content__buttons--desc"> <p>You won't be held responsible for unauthorized charges made with your card or 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