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Good Credit Cards for Fair Credit

 
 
 

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Good Credit Cards for Fair Credit

Search and find affordable interest rates, for which you may qualify. Act now and get Good Credit Cards with terrific benefits, like:

  • Low Interest Rates
  • Cash Back Rewards
  • Hotel Rewards
  • Gifts for Usage
  • Balance Consolidation

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Good Credit Cards for Fair Credit - Learning The Options

If people have Fair Credit, how do they tell which Good Credit Cards to select when there are so many choices? This article will discuss a couple types of cards to offer a helpful understanding of the advantages of each:

Cash Back - With a Cash Back card, customers get a refund equal to a fraction of their transactions. For example, if there is a Cash Back option that awards five percent cashback on supermarket, gasoline, and pharmacy purchases, as purchases increase and rewards accumulate, they can be redeemed. If you spend $150 in gasoline, groceries, and drug store items every 5-7 days, at the end of a year, almost $400 in rebates would have accumulated.

Rewards Points - Instead of giving cash back, some lenders present customers with redeemable rewards. Customers get points for making purchases. As purchases are made, the rewards accumulate. Once a specified number of points have accumulated they can be cashed in for perks like free merchandise, gifts, magazines, etc. Be sure to find out if the Good Credit Cards for Fair Credit you apply for offers rewards.

Petro Bonuses - Lenders can be understanding about the cost of gas and want to give incentives to their customers for using their credit card by offering them a free gasoline card. As transactions are completed, points are accumulated and summarized. Once enough points have been earned they can be turned in for a prepaid fuel card. The cool thing is, with some cards fuel points can be earned when buying fuel.

Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Traveler Miles - When these cards are used, customers can earn frequent traveler's points that can be redeemed for free travel. Once a certain number of points have been accumulated, they can be cashed in exchange for free airline tickets, hotel stays, or rental cars. Frequent travelers really like these rewards.

Zero Percent Promotions - In the beginning when these credit cards are utilized, there are no finance charges that are applied. This time period generally lasts anywhere from half a year to a whole year. Smart customers take advantage of this promotional period to move balances from their high interest Good Credit Cards to one of these and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Making timely payments is imperative. When just one payment is received late, most times the interest free introductory rates are changed to a higher rate. Folks that are applying for Good Credit Cards for Fair Credit, and are offered a 0% introductory rate should choose this opportunity.

Secured Cards to Re-establish Credit - People that have a secured card simply inserts a certain amount of money in a bank account that can generate interest. This is what secures the account. At that point a card is extended to the applicant with a spending limit that is the same as the opening balance of the interest bearing account that was created. Every time you use it the credit limit decreases, low interest recurrent payments are computed, and a bill is is mailed. If purchases are made an affordable repayment plan will be created. Secured Cards to Re-establish Credit are great because they function like conventional credit cards allowing you to do things that debit cards may not, like making travel arrangements including hotels, rental cars, airline tickets, or cruises that generally do not accept consumer checking account cards. One of the best things about the application process is that approval is usually guaranteed whether you have good credit or not. It is important to note that most secured card companies submit whether or not timely payments are made to Experian, Equifax, and Trans Union. This can be a terrific method to show creditworthiness by paying regular payments no matter if you have Fair credit or not. Once you have paid a certain number of payments on or before their due date, typically the lender will offer additional spending power 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 question about the credit limit. Just like a typical bank account, a certain amount of money is deposited into an account and that becomes your spending limit. After the prepaid card balance has been exhausted, simply put more cash into the prepaid account and your card will be ready for use once again. Reloadable prepaid cards are fantastic for budgeting, transactions can be tracked and recorded if necessary, and they work well for individuals that are unable to acquire a typical banking account. Approval is normally granted regardless of your FICO score and there is no need for the prepaid card issuer to deal with the credit bureaus.

With all of the many sorts of Good Credit Cards for Fair credit and incentives that are available, there is something for everyone. Look for Good Credit Cards that offer rewards that match your lifestyle and spending style. Make an educated choice and 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. Superb credit is a wonderful thing to have.

To be certain that you keep cultivating a great credit profile, obey these easy tips:

1. Maintain your outstanding balance lower than the credit limit. In other words, it is not smart to "go wild". Make sure to maintain an account that is somewhere around half of the limit on any Good Credit Cards for Fair Credit.

2. Do not default on payments. Even if you cannot make more than the minimum payment due, the most important thing is that the payment is made when it is due. When payments are made more than 30 days late, it must be told to the credit reporting companies. This has adverse affects on the consumer's FICO score. Additionally, when this happens you may also have to pay a higher interest rate as a result of something as small as a tardy payment. Therefore it is smart to make this bill payment a financial priority.

3. Pay all balances down to zero every couple months. When you make purchases, make it your goal to bring the balance to zero as much as possible. After the bill has been paid down to zero go ahead and start swiping your card for purchases again then pay it off once again after over the course of a few billing cycles, and keep this cycle going. This approach indicates to the issuing companies that you will be creditworthy. Some of the other benefits of this approach are a lower interest rate, a higher limit, and a better credit profile.

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Good Credit Cards for Fair credit are easy to find. Act now to start the application for a solution that could be the answer to your needs.

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