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Select Chase Cardholders: 0% APR and $0 plan fees on your first plan! over 6/12/18 months

+4 Deal Score
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For first only.
6/12/18/24 months plan
You can break up purchases of $100 or more* into equal monthly payments. For a limited time, enjoy $0 plan fees on the first plan you create by December 31, 2023.*

From lift tickets to holiday gifts, create a plan that works for you and your budget this holiday season


https://www.chase.com/personal/of...reshopping
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Created 12-20-2023 at 08:58 AM by DoDharmah
in Financial Tools & Services (8) Chase Business Checking
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Joined Jun 2006
Wow Amazing Slick Deal
> bubble2 1,403 Posts
71 Reputation
mcali786
12-21-2023 at 05:12 PM.
12-21-2023 at 05:12 PM.
Good deal, had to get roofing done and was and to take advantage of this plan
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Joined Nov 2005
L7: Teacher
> bubble2 2,485 Posts
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charger
12-21-2023 at 05:23 PM.
12-21-2023 at 05:23 PM.
When was the last time there was a good credit card offer with no BT fee and 0% APR? I usually churn (in the past 3 years was approved for the Citi Custom Cash, CapOne Quicksilver, BOA BankAmericard) but this year it looked like there is nothing great out there.
Reply
Joined Nov 2012
L3: Novice
> bubble2 108 Posts
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constructiveentropy
12-21-2023 at 06:53 PM.
12-21-2023 at 06:53 PM.
Awesome! This is absolutely amazing timing for me! I haven't done the exact math yet, but l think this is going to save me a few thousand dollars over the next two years.

I bought a used car at auction a few weeks ago for about $11,000 (a government fleet vehicle with low mileage, trustworthy maintenance history, and good mechanical condition report). Due to the auction rules, I had to either pay upfront with cash or put it on a credit card. My due date was going to be on Jan 26.

I sold my other vehicle for cash (netted about $4000 after paying off the previous loan), and had been planning to get financing for the rest from my local credit union. But now I don't have to worry about any of that, and just set up a 2-year plan with $0 down payment, $0 fees and 0% APR. That shouldn't affect my credit report, I'll own my car outright, and don't need to worry about GAP insurance or other financing costs. And I think I can afford the monthly payments without too much stress, so I can put that other $4000 in a high interest savings account or set up a CD ladder to help earn some interest while I wait for these payments to come due. Plus it looks like I'll still earn my 1% cash back on that $11k purchase on the next billing statement.

I've been using SlickDeals for 10 years. I know this was a paid advertisement by Chase, but this is by far the slickest deal I've ever gotten on this site. The idea that I'm going to be the one taking advantage of the big banks this time makes it even sweeter.
1
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Last edited by constructiveentropy December 21, 2023 at 11:50 PM.
Joined Nov 2012
L3: Novice
> bubble2 108 Posts
64 Reputation
constructiveentropy
12-21-2023 at 07:44 PM.
12-21-2023 at 07:44 PM.
Update: Setting this up took less than 5 minutes (would have been 1 min except I wanted to take the time to read through all the fine print).

The link above didn't work for me, but when I opened the Chase app this offer was very prominently displayed. It initially suggested setting up a payment plan for a more recent purchase, but I had no problem switching to the exact purchase I wanted.

As part of the process, it also allowed me to switch from paying my entire statement balance in full each month to just the amount due on this payment plan plus all other new purchases. I'll be watching the bills closely, but if it works as promised then everything should be automatic from here on out.

This is from the confirmation email I got:
Quote from ; :
Original purchase amount: $11112.00
Payment plan (includes monthly fee): 24 payments of $463.00
Monthly fee: $0.00
Total fees 24 x $0.00: $0.00
Total cost: $11112.00
Reply
Last edited by constructiveentropy December 21, 2023 at 07:58 PM.
Joined Nov 2012
L3: Novice
> bubble2 108 Posts
64 Reputation
constructiveentropy
12-21-2023 at 07:53 PM.
12-21-2023 at 07:53 PM.
Also, please update the thread title to say financing can be spread out over up to 24 months. (That's in the body of the post but the title only says up to 18 months.)
Reply
Last edited by constructiveentropy December 21, 2023 at 07:57 PM.
Joined Mar 2017
New User
> bubble2 1 Posts
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11223341
12-22-2023 at 05:34 AM.
12-22-2023 at 05:34 AM.
Where r u seeing the deal?
Reply
Joined Feb 2023
L6: Expert
> bubble2 1,018 Posts
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oasisallure
12-22-2023 at 05:41 AM.
12-22-2023 at 05:41 AM.
Quote from constructiveentropy :
Awesome! This is absolutely amazing timing for me! I haven't done the exact math yet, but l think this is going to save me a few thousand dollars over the next two years.

I bought a used car at auction a few weeks ago for about $11,000 (a government fleet vehicle with low mileage, trustworthy maintenance history, and good mechanical condition report). Due to the auction rules, I had to either pay upfront with cash or put it on a credit card. My due date was going to be on Jan 26.

I sold my other vehicle for cash (netted about $4000 after paying off the previous loan), and had been planning to get financing for the rest from my local credit union. But now I don't have to worry about any of that, and just set up a 2-year plan with $0 down payment, $0 fees and 0% APR. That shouldn't affect my credit report, I'll own my car outright, and don't need to worry about GAP insurance or other financing costs. And I think I can afford the monthly payments without too much stress, so I can put that other $4000 in a high interest savings account or set up a CD ladder to help earn some interest while I wait for these payments to come due. Plus it looks like I'll still earn my 1% cash back on that $11k purchase on the next billing statement.

I've been using SlickDeals for 10 years. I know this was a paid advertisement by Chase, but this is by far the slickest deal I've ever gotten on this site. The idea that I'm going to be the one taking advantage of the big banks this time makes it even sweeter.

high balance will impact your credit score
Reply

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Joined Nov 2012
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> bubble2 600 Posts
195 Reputation
LNT9999
12-22-2023 at 06:33 AM.
12-22-2023 at 06:33 AM.
Strange... I see this offer in my app, but when I Start a Plan on any purchase over $100, there is a fixed monthly fee attached to the monthly payment, the same would happen when I Calculate a Plan. They all came out with 6, 18, or 24 months options with 0% interest, but they all have fixed monthly fees on them.
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Joined Jan 2004
L9: Master
> bubble2 4,403 Posts
509 Reputation
alreadyposted
12-22-2023 at 06:36 AM.
12-22-2023 at 06:36 AM.
do you forfeit points when you use this?
Reply
Joined Nov 2012
L3: Novice
> bubble2 108 Posts
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constructiveentropy
12-22-2023 at 10:26 AM.
12-22-2023 at 10:26 AM.
Quote from 11223341 :
Where r u seeing the deal?
I saw it as a pop up hovering over the bottom half of my screen as soon as I logged into the Chase app.

This web page describes where to find it if you don't see that:
https://www.chase.com/personal/cr...lsrc=aw.ds

Quote :
How do I create and use My Chase Plan?

You can start a plan from an eligible purchase in your account activity, or through the My Chase Plan dashboard on chase.com. Chose the "pay over time" option next to an eligible purchase in your transaction history. You can also use the dashboard to check the status of your plans.
Reply
Last edited by constructiveentropy December 22, 2023 at 10:41 AM.
Joined Nov 2012
L3: Novice
> bubble2 108 Posts
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constructiveentropy
12-22-2023 at 10:32 AM.
12-22-2023 at 10:32 AM.
Quote from oasisallure :
high balance will impact your credit score
Fair point, although there should also be some positive benefit of paying off my other car loan and not needing to establish a new one. Anyway, I'm still happy and feel like this is a good way to take advantage of the good credit I've built up over time. There's no point working to get good credit if you aren't going to actually use it to get a better rate on a loan when you need it most.
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Joined Nov 2012
L3: Novice
> bubble2 108 Posts
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constructiveentropy
12-22-2023 at 10:35 AM.
12-22-2023 at 10:35 AM.
Quote from alreadyposted :
do you forfeit points when you use this?
Here's a link to the Chase FAQ page: https://www.chase.com/personal/cr...n-hub/faqs


Quote from Chase - Frequently Asked Questions :
Will I still earn rewards for my purchase?
You'll still earn rewards as you usually would on the original purchase amount.
Reply
Last edited by constructiveentropy December 22, 2023 at 10:38 AM.
Joined Apr 2006
L3: Novice
> bubble2 204 Posts
81 Reputation
MikeD03C
12-22-2023 at 12:06 PM.
12-22-2023 at 12:06 PM.
This is a good deal, but one thing I wanted to mention that is not in Chase's FAQ is that if you want to pay off a My Chase Plan early, you can do so all at once or with increased payments. The one potential downside is if you have multiple My Chase Plans active.

If you make a payment beyond your Interest Saving Balance (your normal balance + My Chase Plan minimums), it will be applied to your oldest My Chase Plan. This could be an annoyance if your oldest My Chase Plan is a $0 monthly fee plan and you have a newer non-zero fee My Chase Plan that you want to pay off early. In that situation you would have to pay off the oldest My Chase Plan first.
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Joined Jul 2020
L2: Beginner
> bubble2 33 Posts
62 Reputation
Original Poster
DoDharmah
12-22-2023 at 08:09 PM.
12-22-2023 at 08:09 PM.
Quote from constructiveentropy :
Update: Setting this up took less than 5 minutes (would have been 1 min except I wanted to take the time to read through all the fine print).

The link above didn't work for me, but when I opened the Chase app this offer was very prominently displayed. It initially suggested setting up a payment plan for a more recent purchase, but I had no problem switching to the exact purchase I wanted.

As part of the process, it also allowed me to switch from paying my entire statement balance in full each month to just the amount due on this payment plan plus all other new purchases. I'll be watching the bills closely, but if it works as promised then everything should be automatic from here on out.

This is from the confirmation email I got:

I set up my family trip expenses recently with 18 months in 5 minutes
Reply
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