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Credit Cards for Poor Credit

 
 
 

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Credit Cards for Poor Credit

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Credit Cards for Poor Credit - Knowing The Choices

When individuals have Poor Credit, how do they know which Credit Cards to select when there are so many possibilities? The information below will discuss a few types of cards to offer a better understanding of the benefits of each:

Cashback - With a Cashback card, customers are offered a rebate that is the same as a fraction of their transactions. For instance, if somebody has a Cashback offer that provides 5% cash back on food, gas, and pharmacy purchases, as the rebates add up they earn cash value. If you pay $150 in gasoline, food, and drugstore items every 5-7 days, by the completion of a 12-month period, $390 in cash back rewards would be available.

Redeemable Points - In lieu of offering cash rebates, some issuers offer redeemable rewards. Customers get points when purchases are made. Every time the card is used, the rewards accumulate. When you earn enough points they can be redeemed for all kinds of goodies including free travel, gifts, subscriptions, etc. It is wise to see if the Credit Cards for Poor Credit that you want will offer points.

Gasoline Rewards - Companies are often times considerate of the price of gas and will offer an incentive to their customers for their purchases by rewarding them with a free gasoline card. As transactions are completed, points are accumulated and summarized. After you have earned enough points they can be redeemed for a prepaid gas station card. Sometimes, redeemable fuel rewards can be accumulated when making gas purchases.

Reward Points Toward Free Hotel Stays, Rental Cars or Frequent Air Traveler Miles - When purchases are made with these cards, points that can be used as free frequent flyer miles or free travel vouchers are earned. Once a specified number of points are earned, they can be redeemed for free travel accommodations. These programs are great for frequent travelers.

Zero Percent APR Promotions - Finance charges are not applied on these cards for a specified amount of time. The period where no finance charges are being applied generally spans six to twelve months. Smart people take advantage of this interest-free period to shift balances from their interest bearing Credit Cards to one of these, then pay it off while there are no finance charges being accrued. Making monthly payments on time is incredibly important. When one payment is paid after the due date, most times the interest free introductory rates go up to an interest-bearing rate. People that are applying for Credit Cards for Poor Credit, and have the opportunity to sign up for a 0% introductory rate should think about this option.

Secured Cards - Customers that have one of these must deposit a certain amount of money in an interest-bearing savings account. This is what secures the account. Once the account is set up, a card is extended to the applicant with a spending limit equal to the opening balance of the interest bearing account that was created. Each time a transaction is approved the credit limit decreases, low rate monthly payments are computed, and a monthly invoice is is mailed or emailed if you choose paperless billing. If purchases are made an affordable monthly invoice will be sent. Secured Cards are awesome because they operate the same as ordinary credit cards allowing people to do things that debit cards may not, like making travel arrangements including vehicle rentals that sometimes do not accept standard bank account cards. Another great feature is that approval is usually guaranteed whether you have good credit or not. This is good because most credit-rebuilding card issuers report whether or not timely payments are made to Experian, Equifax, and Trans Union. This can be a good method to prove you are creditworthy by showing timely payments no matter if you have Poor credit or not. After paying several payments in a row, most issuers will increase your credit limit without asking for another deposit to the initial secured account.

Prepaid Credit Cards - With a Prepaid card, purchases can be made without interest, fees, or finance charges. Just like a conventional account, a certain amount of money is deposited into an account and this becomes your spending limit. As the prepaid account balance becomes depleted, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. Prepaid cards are good as gifts, they offer the same flexibility as a check card, and they work well for individuals that are unable to get a standard depository account. Quick approval is usually not a problem despite your FICO report and there is no need for the issuer to send any inquiries to the credit bureaus.

With all of the different varieties of Credit Cards for Poor credit and benefits that each of them offer, there is something for everyone. Consider Credit Cards that allow for the most rewards. Make an educated choice and always make wise purchases and timely payments. Excellent credit is a wonderful thing to have.

To make certain that you keep developing an awesome FICO score, obey these three rules:

1. Maintain your outstanding balance at no more than half of the credit limit. In other words, it is not smart to "max out". Experts agree that consumers should keep a balance that is somewhere around forty percent of the maximum spending limit on any Credit Cards for Poor Credit.

2. It is important to pay the bill when it is due. Even if the minimum is the most that your budget will allow, 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 will be posted to Experian, Equifax, and Trans Union. This is bad for the consumer's credit report. And let's not forget the fact that when this happens you may also be assessed more points on the card's interest rate as a consequence of a solitary past due payment. Therefore it is wise to stay on top of the bill.

3. Repay all balances down to zero every few months. When the balance gets to be about half of the limit, do your best to bring the balance to zero at least one time per year. Then once your balance is paid off it is smart to make more purchases then pay it off once again after over the course of a few billing cycles, and make this your repayment pattern. This process confirms to the issuers that you will be a great customer. You could also be rewarded with lower rates, more of a limit, and a better FICO score.

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Credit Cards for Poor credit are our specialty. Click now to start the application for a solution that could be the answer to your situation.

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