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Good Credit Cards for Bad Credit

 
 
 

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Good Credit Cards for Bad Credit

We search for interest rates you can afford. Do you qualify? Get started now to find Good Credit Cards that offer nice options like:

  • Low Interest Rates
  • Cash Back Rewards
  • Airline Rewards
  • Redeemable Points
  • Balance Transfer Options

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Once your new card is received, be sure to keep a balance less than your credit limit and pay your bill on or before the due date. Follow this advice to make sure all the revolving accounts you have will always be available for use at any time. Begin now.

 


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Good Credit Cards for Bad Credit - Knowing The Possibilities

When individuals have Bad Credit, how can they know which Good Credit Cards to select when there are so many opportunities? The information below will expand on several types of cards to offer a helpful outline of the pros of each:

Cash Back - With a Cash Back card, customers are offered a reimbursement that equals a fraction of their purchases. For example, if an applicant is approved for a Cash Back option that awards five percent cash back on supermarket, fuel, and drugstore purchases, as purchases increase and rewards accumulate, they earn cash value. If you use $150 in gas, groceries, and drugstore items every 5-7 days, at the conclusion of a year, $390 in rebates would be available.

Rewards Points - In lieu of offering cash rebates, some companies give redeemable rewards. Customers get points for making purchases. With each swipe of the card, the rewards accumulate. After a certain amount of points add up they can be redeemed for great stuff, such as free merchandise, gifts, magazines, and more. It is wise to see if the Good Credit Cards for Bad Credit that you want will offer points.

Petro Bonuses - Credit card issuers can be considerate of the cost of gas and will reward their customers for using their credit card by offering them a prepaid gas card. As purchases are made, points are earned. Once you have completed enough transactions to accumulate a certain amount of points you can get a prepaid gas station card. The funny thing is, with some cards gas points are actually accumulated even when buying gas.

Points Redeemable for Free Hotel Stays, Rental Cars or Frequent Traveler Miles - When purchases are made with this kind of card, redeemable points that can be cashed in for free travel miles are earned. As the points add up, they can be cashed in exchange for free airline tickets, hotel stays, or rental cars. Frequent travelers really like these rewards.

Zero Percent Promotional Interest Rates - Finance charges are not applied on these cards for a specified amount of time. The promotional period usually spans six to twelve months. Typically, folks are advised to utilize this kind of card to shift balances from their high interest Good Credit Cards to one like this and pay the balances off within the promotional period. Paying the bill on or before the due date is extremely important. When the first payment is late, most the interest free introductory rates go up to another rate. Folks that are approved for Good Credit Cards for Bad Credit, and have the opportunity to sign up for an introductory period free of finance charges should think about this option.

Secured Cards for Building Credit - Customers that have a secured card simply deposits a specified amount of cash into a bank account that can generate interest. This "is why the card is called "" secured"" ." Once the account is set up, a credit card is extended to the applicant with a credit limit in the amount that has been deposited in the account. As the card is used the amount of that transaction is deducted from your available credit balance, affordable regularly scheduled payments are calculated, and a bill is generated. Just like any other credit card, when you use it an affordable repayment plan will be created. Secured Cards for Building Credit are terrific because they operate like ordinary credit cards allowing you the freedom to book travel arrangements like rental cars that sometimes do not take prepaid or debit cards. Another great feature is that approval is usually guaranteed no matter what. This can help in the rebuilding process because many credit-rebuilding card issuers report your repayment history to Experian, Equifax, and Trans Union. This is a remarkable technique to establish creditworthiness by making timely payments no matter if you have Bad credit or not. After making a certain number of consecutive timely payments, typically the lender will offer additional spending power without asking for an additional deposit.

Prepaid Credit Cards - With a Prepaid card, you get most of the benefits of a credit card without the debt. Similar to a checking account, you put money in and this becomes your spending limit. When the prepaid card balance has been completely used, it can be reloaded with more money and used again. Prepaid credit cards are good for financial planning, they make it so you don't have to carry cash all the time, and they help people that cannot obtain a standard depository account. Fast approval is typically granted despite your credit report and there is no need for the bank that issues the prepaid cards to deal with the three bureaus.

With all of the different kinds of Good Credit Cards for Bad credit and bonuses that each of them offer, there is a solution available for most credit card seekers. Look for Good Credit Cards that make sense for your situation that will allow you to control your spending habits. Once you are approved always spend within your budget and stay under the limit. Timely payments are important as well. Good credit is an awesome asset.

To make sure that you keep cultivating a top notch credit profile, obey these simple instructions:

1. Maintain a balance at a percentage of the card's max. Another way of saying it is, don't "over spend". Most people with excellent credit make it a point to retain an account that is somewhere around sixty percent or less of the limit on any Good Credit Cards for Bad Credit.

2. Pay the bill on time. Even if a small payment can be made, it is better to make that small payment on time then it is to try and pay more at a later date. If the bill is paid 30 days after the due date, that information could be forwarded to the credit reporting companies. This has adverse affects on your credit profile. And let's not forget the fact that when this happens you may also be assessed an increased interest rate as a result of just this one late payment. Thus it is wise to make payments.

3. Repay the whole thing off every time your finances will allow. When purchases are made, do your best to pay it all off as often as you can. When you do this, it is smart 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 don't stop this habit. This approach demonstrates to the issuing companies that you can be a great customer. Once this sequence is repeated a couple of times, you could qualify for a lower rate, more of a limit, and a better FICO score.

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