Credit Cards for Perfect
Credit - Learning The Opportunities
When people have
Credit, how can they
know which Credit Cards
to select when there are so many choices?
The information below will break down a couple types
of cards to offer a helpful outline
of the advantages of each:
Cashback - With a Cashback
card, customers get a rebate that equals
a fraction of their purchases. For example,
if a customer has been approved for a Cashback
offer that provides 5% cashback
on food, fuel, and drugstore
purchases, as purchases increase and rewards accumulate, they can be cashed in. If you
use a hundred fifty dollars in gas, supermarket items,
and drugstore purchases weekly, at
the completion of a 12-month period, $390
in cash back rewards would be available.
Redeemable Points - In lieu
of giving money back, some issuers
offer redeemable rewards. Customers get
rewards when purchases are made. With each swipe of the card, the rewards
add up. When you earn enough points they can be cashed in for great stuff, such as
free rental cars, gift items, magazines, etc.
It is smart to be aware of whether or not the Credit Cards
for Perfect Credit that you want will offer
Gasoline Bonuses - Companies
can be considerate of the cost
of gasoline and want to reward
people for using their credit card by offering them a prepaid
fuel card. As the card is used, points are accumulated. Once enough points have been earned you can get a
prepaid gasoline card. The funny thing is, with some cards fuel points can be earned
when making fuel purchases.
Points Redeemable for Free Hotel Accommodations, Car Rentals, or Frequent Air Travel Miles - When these cards are used, redeemable points that can be used for free travel arrangements including airline travel are accumulated. Once a certain number of points have been accumulated, they turn into vouchers that can be used for discounted or free travel arrangements like rental cars, hotels, or even airline tickets. These rewards work best for those who travel a lot.
Zero Percent APR Promotions - What does this mean? Simply put: for a limited time, finance charges are not incurred.
The period where no finance charges are being applied typically varies from six months up to a year.
Smart folks are advised to utilize this time
to shift balances from their interest bearing Credit Cards
to one of these and pay it off while there are no finance charges being accrued. Making timely payments is imperative.
When just one payment is late, most
zero percent APR rates go up to a higher
rate. Customers that are applying for
Credit Cards for Perfect
Credit, and have the chance to get a 0% promotion
ought to choose this great opportunity.
Secured Credit Cards - Customers with this type of card
simply deposits money in an account that can earn interest while it is there.
This "is what makes it a "" secured card"" ." Once the account is set up, a card is
offered with a credit max equal to
the amount that has been deposited in the account. As the card is used the credit limit decreases, affordable
recurrent payments are computed, and a bill
is is mailed or emailed if you choose paperless billing. If purchases are made a relatively small monthly payment is expected. Secured Credit Cards
are terrific because they perform the same as
normal credit cards allowing you
to complete all kinds of transactions including booking travel arrangements including vehicle rentals
that sometimes do not accept debit
cards. For those with bad credit approval is generally
guaranteed regardless of your credit score. But do not forget that most
credit-rebuilding card companies submit whether or not timely payments are made
to be added to your credit profile. This is a good
way to prove you are creditworthy by paying scheduled
payments whether you have Perfect
credit or not. After paying
a certain number of 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.
Pre-paid Credit Cards - With
a Pre-paid card, there is no guesswork. Similar to
a typical bank account, a certain amount of money is deposited into an account and this becomes
your spending limit. As the prepaid account
balance runs out, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. Reloadable cards
are terrific for parents to use to give an allowance to their teen or college student, they offer the same flexibility as a check card, and they work well for individuals that are unable to
get a conventional bank account.
Fast approval is usually guaranteed despite
your FICO profile and there is
no need for the prepaid company to contact Experian, Equifax, and TransUnion.
With all of the diverse kinds
of Credit Cards
for Perfect credit and
rewards that are available, it is easy to identify the best solution for your situation. Consider
Credit Cards that allow for the most rewards. Make an educated choice and always
spend within your budget and stay under the limit. Timely payments are important as well. Top notch credit is an awesome
thing to have.
To be certain that you keep growing an awesome credit profile, follow these few tips:
1. Always have your bill at no more than half of the
card's max. Simply put, don't
"go wild". It is important to carry
a balance that is no more than fifty percent
of the max on any
Credit Cards for Perfect Credit.
2. Make at least the minimum payment as scheduled. Even if a small payment can be made, that will be just fine. When payments are made more than 30 days late, that information could be posted to the credit reporting agencies. This is not good for your credit report. Unfortunately, you may also have to pay a higher interest rate as a consequence of just one delayed payment. Thus it is smart to stay on top of the bill.
3. Pay the balance completely every time you can.
When you make purchases, make it your goal to
bring the balance to zero as often as you can. Once you do this it is okay to
make more purchases then pay it off once again after over the course of a few billing cycles, and keep this pattern going
This process confirms to the issuing companies
that you will be a great customer. Once this sequence is repeated a couple of times, you could qualify for
a lower interest rate, an increased credit limit, and a more favorable credit report.
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for Perfect credit
are simple to apply for. Click now
to start the application for a solution that could be the answer to