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Credit Cards for Prime Credit

 
 
 

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Credit Cards for Prime Credit

Search now to find affordable interest rates, for which you may qualify. Get started now to search for Credit Cards with terrific options such as:

  • Low Rates
  • Cashback Rewards
  • Airline Rewards
  • Gifts for Usage
  • Balance Transfer Options

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Credit Cards for Prime Credit - Learning The Choices

If folks have Prime Credit, how do they distinguish which Credit Cards to pick when there are so many possibilities? This article discusses a few types of cards to give you a helpful outline of the pros of each:

Cashback - With a Cashback card, customers are offered a reimbursement that equals a fraction of their transactions. For example, if a customer has been approved for a Cashback option that offers 5% cash back on supermarket, gasoline, and drugstore items, as the rewards accumulate they can be cashed in. If you use one hundred and fifty dollars in fuel, food, and drug store items weekly, at the close of a year, about four hundred dollars in rebates would have accumulated.

Rewards Points - Instead of providing money back, some lenders give points programs. Customers receive points when purchases are made. Every time the card is used, the rewards increase. After a certain amount of points add up they can be cashed in for all kinds of goodies including free hotel stays, gift cards, magazines, and more. Always check to see if the Credit Cards for Prime Credit that you want will offer a redeemable rewards program.

Gasoline Rewards - Companies can be considerate of the price of gas and want to compensate their customers for their purchases by rewarding them with a free fuel card. As transactions are completed, points are accumulated and summarized. Once you have completed enough transactions to accumulate a certain amount of points they can be cashed in for a prepaid gasoline card. The funny thing is, with some cards redeemable fuel rewards can be accumulated while buying gas.

Points for Free Hotel Stays, Rental Cars or Frequent Air Travel Miles - When these cards are used, redeemable points that can be cashed in for free travel miles are earned. Once a certain number of points have been accumulated, they can be redeemed for free travel accommodations. This kind of card is great for business travelers.

0% Promotional Interest Rates - Customers that utilize these cards are not charged any interest or finance charges for a certain number of months. The promotional period usually varies from six to twelve months. Most times, folks use promotions such as this to transfer their balance from their interest bearing Credit Cards to one like this and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Making monthly payments on time is key. When just one payment is not received on time, generally the introductory rates adjust to a much higher rate. Folks that are eligible for Credit Cards for Prime Credit, and are offered a 0% promotion should think about this opportunity.

Secured Cards to Re-establish Credit - Individuals with this type of card simply inserts a cash amount into an account that can earn interest while it is there. This "is why the card is called "" secured"" ." Then, a credit card is delivered with a credit max that is the same as the amount that has been deposited in the account. Each time a transaction is approved your available credit is recalculated, low interest regularly scheduled payments are calculated, and a monthly invoice is sent. If the card is active low monthly payments will become due. Secured Cards to Re-establish Credit are terrific because they perform like standard credit cards allowing people to do things that debit cards may not, like making travel arrangements such as rental cars that generally do not accept standard bank account cards. Another great feature is that approval is usually guaranteed no matter what. This is good because most credit-rebuilding card issuers report whether or not you are keeping up with your payments to be added to your credit profile. This could be a wonderful technique to establish creditworthiness by making regular payments no matter if you have Prime credit or not. Once you have paid several consecutive timely payments, some secured card companies will approve a higher limit without asking for additional collateral.

Pre-paid Credit Cards - With a Pre-paid card, there is no guesswork. Just like a typical bank account, you put money in and that is the amount that can be used for purchases. As the prepaid account balance is used up, simply put more cash into the prepaid account and your card will be ready for use once again. Prepaid credit cards work wonderfully for parents to use to give an allowance to their teen or college student, they allow people to make online purchases, and they work well for individuals that are unable to acquire a normal depository account. Fast approval is typically guaranteed regardless of your bureau score and there is no need for the bank that issues the prepaid cards to contact Experian, Equifax, and TransUnion.

With all of the various types of Credit Cards for Prime credit and benefits that are offered, there is a solution available for most credit card seekers. Seek Credit Cards that offer rewards that match your lifestyle and spending style. When you receive your card always stay within your credit limit and make your payments on time every month. Good credit is a great asset.

To make sure that you keep cultivating the best FICO profile, obey these three guidelines:

1. Maintain a balance lower than the credit max. Simply put, do not "go crazy". Try to retain a balance that is somewhere around sixty percent or less of the limit on any Credit Cards for Prime Credit.

2. Do not make late payments. Even if a minimum payment is all you can afford to make, pay it before the due date. If the bill is paid 30 days after the due date, that information must be reported to the credit reporting agencies. This has adverse affects on the consumer's FICO profile. Additionally, customers may also have a higher interest rate as a result of one past due payment. Therefore it is smart to make payments.

3. Pay all balances down to zero every so often. When you make purchases, do your best to pay it all off as much as possible. Once you do this you can feel free to begin creating transaction activity (like buying gas, shopping online, or making purchases) then take a few months to pay the balance off again, and keep this pattern going This approach illustrates to the issuing companies that you can be a great customer. Some of the other benefits of this approach are low rates, a higher credit max, and a better credit profile.

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