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Best Credit Cards for Perfect Credit

 
 
 

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Best Credit Cards for Perfect Credit

We search for low interest rates. Are you qualified? Click now to apply for Best Credit Cards that offer nice options like:

  • 0% APR Introductory Rates
  • Cashback Rewards
  • Hotel Rewards
  • Gifts for Usage
  • Balance Consolidation

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Best Credit Cards for Perfect Credit - Understanding The Choices

When folks have Perfect Credit, how do they tell which Best Credit Cards to pick when there are so many opportunities? This article will discuss several kinds of cards to give you a better outline of the benefits of each:

Cash Back - With a Cash Back card, customers are rewarded with a repayment that is the same as a percentage of their purchases. For example, if an applicant is approved for a Cash Back solution that awards 5% cashback on supermarket, fuel, and drugstore purchases, as the rebates add up they can converted to cash. If you use a hundred fifty dollars in gasoline, supermarket items, and drugstore items every 5-7 days, by the completion of a year, $390 in cash would have accumulated.

Rewards Points - In lieu of rewarding customers with money back, some lenders present customers with redeemable rewards. Customers earn rewards for making purchases. Every time the card is used, the points add up. After a certain amount of points add up they can be redeemed for great stuff, such as free rental cars, gift cards, subscriptions, and more. It is smart to be aware of whether or not the Best Credit Cards for Perfect Credit that you want will offer points.

Gasoline Rewards - Credit card issuers are often times sensitive to the cost of gas and want to compensate consumers for making card purchases by rewarding them with a free gas card. As the card is used, points are accumulated. After you have earned enough points they can be turned in for a prepaid gasoline card. The funny thing is, with some cards gas rewards can even be earned when making gas purchases.

Points Redeemable for Free Hotel Stays, Rental Cars or Frequent Air Traveler Miles - When purchases are made with this kind of card, redeemable points that can be cashed in for free travel miles are earned. Once a specified number of points are earned, they can be applied toward all kinds of travel arrangements including free air travel. These programs are great for frequent travelers.

0% APR Promotions - What does this mean? Simply put: for a limited time, finance charges are not incurred. This time period usually spans half a year to a whole year. Generally, people use this time to transfer outstanding balances from their current Best Credit Cards to one like this and pay it off while there are no finance charges being accrued. Paying the bill on or before the due date is extremely important. When just one payment is not received on time, most times zero percent APR rates adjust to a higher rate. Customers that are applying for Best Credit Cards for Perfect Credit, and have the opportunity to sign up for a 0% introductory rate ought to consider this option.

Secured Cards to Build Creditworthiness - People with a secured card would insert a specified amount of cash in a bank account that can generate interest. This becomes the card's collateral After the deposit is made a card is delivered with a credit limit in the amount that has been deposited in the account. Every time you use it the amount of that transaction is deducted from your available credit balance, low rate regularly scheduled payments are calculated, and a monthly invoice is generated. If the card is being used low monthly payments will become due. Secured Cards to Build Creditworthiness are perfect because they operate the same as normal credit cards allowing customers to do things that debit cards may not, like making travel arrangements such as vehicle rentals that generally do not accept consumer checking account cards. For those with bad credit approval is usually guaranteed even if your credit is poor. It is important to note that most credit-rebuilding card companies submit your payment schedule and how you keep up with your payments to the credit bureaus. This can be a great way to show creditworthiness by making scheduled payments whether you have Perfect credit or not. After paying six to twelve consecutive timely payments, many times the limit can be increased without requiring more cash to be put into the account that was used to set up the card.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, purchases can be made without interest, fees, or finance charges. Similar to a regular bank account, you put money in and that is the amount that can be used for purchases. When the prepaid credit card balance reaches zero, it can be reloaded with more money and used again. Prepaid cards are excellent for financial planning, they offer the same flexibility as a check card, and they are a great solution for those that cannot get a normal banking account. Fast approval is typically not a problem despite your FICO profile and there is no need for the prepaid company to contact the three bureaus.

With all of the diverse kinds of Best Credit Cards for Perfect credit and benefits that are offered, it is easy to identify the best solution for your situation. Seek Best Credit Cards that give the benefits that fit your situation. The most important thing is to always stay within your credit limit and make your payments on time every month. Excellent credit is a wonderful asset.

To make certain that you keep cultivating a superb FICO profile, take heed to these three guidelines:

1. Maintain your outstanding balance lower than the credit max. Simply put, do not "go wild". It is important to maintain a bill that is somewhere around forty percent of the max on any Best Credit Cards for Perfect Credit.

2. It is important to pay the bill when it is due. Even if a minimum payment is all you can afford to make, the most important thing is that the payment is made when it is due. Once a payment is more than 30 days behind, it must be forwarded to Experian, Equifax, and Trans Union. This could bring down the consumer's credit score. As a result, when this happens you may also have a rising interest rate as a consequence of a late payment. Thus it is wise to make this bill payment a financial priority.

3. Repay all balances down to zero every so often. When the balance gets to be about half of the limit, try to take a few months and pay it off at least once a year. Then once your balance is paid off you can feel free to start swiping your card for purchases again then after a couple of billing cycles, pay the whole thing off just like you did before, and keep utilizing this approach as you complete your monthly budget and annual financial plan. This repayment history confirms to the issuers that you can be an excellent credit candidate. You could also be rewarded with a lower rate, a higher limit, and a better FICO score.

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Best Credit Cards for Perfect credit are our specialty. Click here to start the application for a solution that fits your situation.

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