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Good Credit Cards for Excellent Credit

 
 
 

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Good Credit Cards for Excellent Credit

We help you find affordable interest rates, for which you may qualify. Click now to apply for Good Credit Cards that have great benefits, like:

  • 0% Introductory Rates
  • Cashback Rewards
  • Rewards Programs
  • Redeemable Points
  • Balance Transfer Options

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Good Credit Cards for Excellent Credit - Learning The Choices

If folks have Excellent Credit, how can they distinguish which Good Credit Cards to select when there are so many possibilities? This article will discuss a few varieties of cards to provide a better understanding of the pros of each:

Money Back - With a Money Back card, you may be offered a reimbursement that is the same as a percentage of their transactions. For example, if somebody has a Money Back offer that offers 5% cashback on groceries, fuel, and pharmacy purchases, as the rewards accumulate they earn cash value. If you pay $150 in gas, food, and pharmacy purchases weekly, by the conclusion of a 12-month period, about four hundred dollars in cash back rewards would be available.

Redeemable Points - Instead of rewarding customers with money back, some issuers offer redeemable rewards. Customers receive points for making purchases. As purchases are made, the rewards add up. After a certain amount of points add up they can be cashed in for perks like free merchandise, gifts, magazines, and more. Be sure to find out if the Good Credit Cards for Excellent Credit you are considering offers rewards.

Petro Bonuses - Card Issuers are often times sensitive to the cost of fuel and want to reward consumers for their purchases by giving them a free fuel card. As the card is used, points are accumulated. After you have earned enough points they can be redeemed for a prepaid gasoline card. Sometimes, gas points are actually accumulated even while making gas purchases.

Reward Points Toward Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When purchases are made with this kind of card, 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. Frequent travelers really like these rewards.

0% APR Promotions - With these cards, finance charges are not accrued for a certain amount of time. The promotional period typically spans six to twelve months. Typically, folks use this promotional period to transfer outstanding balances from their high interest Good Credit Cards to one of these, then create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Keeping monthly payments up to date is especially crucial. When the first payment is not received on time, most zero percent APR rates adjust to a much higher rate. Individuals that are offered Good Credit Cards for Excellent Credit, and have the chance to get an interest free period should think about this opportunity.

Secured Cards for Building Credit - Individuals with this type of card would insert a cash amount 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 sent with a credit max equal to the amount of the deposit. Each time you swipe your card your available credit is recalculated, low interest recurrent payments are calculated, and a monthly invoice is is mailed. If the card is active low monthly payments will become due. Secured Cards for Building Credit are terrific because they operate the same as ordinary credit cards allowing customers to do things that debit cards may not, like making travel accommodations including airline tickets that generally do not take debit cards. Another great feature is that approval is ordinarily guaranteed despite your credit profile. This can help in the rebuilding process because many credit-rebuilding card issuers report your payment schedule and how you keep up with your payments to the credit bureaus. This can be an excellent way to establish creditworthiness by showing scheduled payments no matter if you have Excellent credit or not. After making several payments on or before their due date, most issuers will increase your credit limit without requiring additional collateral.

Prepaid Credit Cards - With a Prepaid card, you get out of it exactly what you put in. Just like a checking account, a deposit is made into an account and that becomes your spending limit. When the prepaid account balance runs out, you can recharge it with an additional deposit. Reloadable prepaid cards are good for students, purchases can be tracked, and they are generally granted to those that may not qualify to get a typical checking account. Fast approval is generally guaranteed regardless of your bureau profile and there is no need for the prepaid company to deal with the credit bureaus.

With all of the diverse varieties of Good Credit Cards for Excellent credit and bonuses that each of them offer, there is a solution available for most credit card seekers. Look for Good Credit Cards that give the benefits that fit your situation. The most important thing is to be sure to try to keep your purchases at less than half of your credit limit and make more than the minimum payment every month. Good credit is a great thing to have.

To make sure that you keep developing the perfect FICO report, obey these three tips:

1. Maintain your bill less than the credit limit. In other words, don't "go wild". Always maintain a bill that is generally half of the max on any Good Credit Cards for Excellent Credit.

2. It is important to pay the bill when it is due. Even if a minimum payment is all you can afford to make, that's ok. If the bill is paid 30 days after the due date, that information will be sent to the credit reporting companies. This is not good for your credit profile. Unfortunately, you may also have to pay a rising interest rate as a consequence of just one delayed payment. Therefore it is wise to pay the bill.

3. Pay the balance in total every so often. When you make purchases, make it your goal to take a few months and pay it off at least one time per year. When you do this, it is wise 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 make this your repayment pattern. This process illustrates to the issuers that you can be a great customer. Most lenders reward customers like this with a lower rate, higher credit limits, and a higher credit score.

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Good Credit Cards for Excellent credit are just a few clicks away. Click here to get approved for a card that could be the answer to your needs.

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