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Best Credit Cards for Perfect Credit

 
 
 

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Best Credit Cards for Perfect Credit

We search for low rates. Let's see if you qualify. Act now and apply for Best Credit Cards that offer terrific benefits, such as:

  • Low Interest Rates
  • Cash Back Programs
  • Travel Rewards
  • Gifts for Usage
  • Balance Consolidation

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Best Credit Cards for Perfect Credit - Understanding The Choices

If individuals have Perfect Credit, how do they tell which Best Credit Cards to pick when there are so many opportunities? This article will expand on several varieties of cards to offer a useful outline of the advantages of each:

Cashback - With a Cashback card, customers are rewarded with a refund that equals a percentage of their purchases. For instance, if somebody is approved for a Cashback offer that offers 5% cash back on supermarket, fuel, and drugstore items, as purchases increase and rewards accumulate, they earn cash value. If you pay a hundred fifty dollars in gasoline, food, and drugstore items each week, by the close of a 12-month period, about four hundred dollars in cash back rewards would have accumulated.

Rewards Points - Instead of giving money back, some issuers offer redeemable rewards. Customers get points for making purchases. Every time the card is used, the rewards increase. After a certain amount of points add up they can be cashed in for great stuff, such as free travel, gifts, magazines, etc. It is smart to be aware of whether or not the Best Credit Cards for Perfect Credit you apply for offers rewards.

Petro Rewards - Lenders can be sensitive to the price of fuel and will give incentives to their customers for using their cards by rewarding them with a prepaid gasoline card. As purchases are made, points are earned. After a specified amount of points are accumulated you can get a free prepaid gas station card. Sometimes, gas rewards can even be earned while you are getting gas.

Reward Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Traveler Miles - When these cards are used, free travel points are earned. Once a specified number of points are earned, they can be redeemed for free travel accommodations. This kind of card is great for business travelers.

0% APR Promotions - With these cards, finance charges are not accrued for a certain amount of time. This time period typically varies from six months up to a year. Typically, folks use promotions such as this to transfer balances from their current Best Credit Cards to one like this and pay it off while there are no finance charges being accrued. Making monthly payments on time is extremely important. When a payment is paid after the due date, most the interest free introductory rates go up to an interest-bearing rate. Customers that are offered Best Credit Cards for Perfect Credit, and are offered a 0% introductory rate ought to consider this option.

Secured Cards for Rebuilding Credit - People that have this type of card must insert a specified amount of cash in an account that can earn interest while it is there. This is what secures the account. Then, a card is offered with a spending limit equal to the amount that has been deposited in the account. Every time you use it your available credit is recalculated, affordable recurrent payments are determined, and a monthly invoice is sent. If transactions are being approved, an affordable repayment plan will be created. Secured Cards for Rebuilding Credit are good because they perform the same as normal credit cards allowing people to do things that debit cards may not, like making travel accommodations such as hotels that generally do not accept check cards. When applicants have bad credit approval is generally guaranteed no matter what. It is important to note that most secured card companies submit whether or not you are keeping up with your payments to be added to your credit profile. This is a great practice to establish creditworthiness by showing scheduled payments no matter if you have Perfect credit or not. Once you have paid six to twelve payments on or before their due date, some secured card companies will approve a higher limit without requiring another deposit to the initial secured account.

Prepaid Credit Cards - With a Prepaid card, purchases can be made without interest, fees, or finance charges. Similar to a checking account, you put money in and that is the credit limit. When the prepaid card balance becomes depleted, it can be reloaded with more money and used again. These cards are great for students, purchases can be tracked, and they help people that cannot obtain a traditional depository account. Approval is typically not a problem despite your FICO score and there is no need for the prepaid card issuer to deal with the credit bureaus.

With all of the diverse kinds of Best Credit Cards for Perfect credit and bonuses that each of them offer, there is a solution available for most credit card seekers. Look for Best Credit Cards that make sense for your situation that will allow you to control your spending habits. The most important thing is to be sure to spend wisely and pay the bill on or before the due date. Superb credit is a wonderful asset.

To guarantee that you keep building a super credit profile, take heed to these three instructions:

1. Keep your outstanding balance at a percentage of the card's limit. Another way of saying it is, do not "max out". It is smart to carry an account that is about sixty percent or less of the max on any Best Credit Cards for Perfect Credit.

2. Do not default on payments. Even if you cannot make more than the minimum payment due, the most important thing is that the payment is made when it is due. When payments are made more than 30 days late, that information may be sent to the credit reporting agencies. This could bring down your credit profile. Unfortunately, you may also have an increased interest rate as a consequence of a single past due payment. Therefore it is recommended that consumers make payments.

3. Repay the whole thing off every quarter. When you make purchases, make it your goal to pay the balance back down to zero as many times a year as possible. When you do this, go ahead and begin creating transaction activity (like buying gas, shopping online, or making purchases) and after a couple of billing cycles, pay the whole thing off just like you did before, and keep this cycle going. This sequence illustrates to the lenders that you can be creditworthy. Some of the other benefits of this approach are a lower interest rate, a higher limit, and a better FICO score.

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