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Good Credit Cards for Fair Credit

 
 
 

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Good Credit Cards for Fair Credit

We help you find low rates. Let's see if you qualify. Click here to find Good Credit Cards that have terrific benefits, like:

  • 0% Introductory Rates
  • Cash Back Rewards
  • Travel Rewards
  • Redeemable Points
  • No Fee Balance Transfers

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Once your new card is received, always avoid maxing your card out and pay your monthly payment on time. Doing this will ensure that all the revolving accounts you have will stay in good standing. Get started here.

 


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Good Credit Cards for Fair Credit - Understanding The Options

When folks have Fair Credit, how can they tell which Good Credit Cards to select when there are so many choices? This article discusses a few varieties of cards to provide a helpful outline of the advantages of each:

Cashback - With a Cashback card, customers are rewarded with a reimbursement equal to a fraction of their transactions. For example, if somebody has a Cashback offer that gives five percent cash back on food, gasoline, and drugstore purchases, as the rewards accumulate they can be cashed in. If you spend one hundred and fifty dollars in fuel, groceries, and pharmacy items each week, by the close of a year, about four hundred dollars in cash would have accumulated.

Rewards Points - Instead of offering money back, some lenders present customers with redeemable rewards. Customers get points every time the card is used. Every time the card is used, the rewards add up. Once a specified number of points have accumulated they can be redeemed for all kinds of goodies including free hotel stays, gift cards, subscriptions, and more. It is important to know whether or not the Good Credit Cards for Fair Credit you apply for offers rewards.

Gas Rewards - Card Issuers can be sensitive to the price of gas and will compensate their customers for their purchases by giving them a free gasoline card. As transactions are completed, points are accumulated and summarized. After you have earned enough points you can get a prepaid gas card. The funny thing is, with some cards fuel points can be earned while buying fuel.

Reward Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Air Traveler Miles - When these cards are used, redeemable points that can be used for free travel arrangements including airline travel are accumulated. Once a specified number of points are earned, they turn into vouchers that can be used for discounted or free travel arrangements like rental cars, hotels, or even airline tickets. 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 varies from six to twelve months. Smart customers are advised to utilize this promotional period to transfer their balance from their high interest Good Credit Cards to one of these, then pay it off while there are no finance charges being accrued. Making monthly payments on time is very important. When just one payment is received late, typically zero percent APR rates are changed to a different rate. People that are offered Good Credit Cards for Fair Credit, and have the chance to get a 0% introductory rate should think about this card.

Secured Credit Cards - Customers that have one of these must insert a cash amount in an account specified by the secured card issuer. This account serves as the security for the issuer. Then, a credit card is offered with a line of credit equal to the opening balance of the interest bearing account that was created. Each time a transaction is approved your available credit is recalculated, low interest regularly scheduled payments are calculated, and a monthly invoice is is mailed or emailed if you choose paperless billing. If the card is being used an affordable repayment plan will be created. Secured Credit Cards are terrific because they perform like standard credit cards allowing people the freedom to book travel arrangements like airline tickets that usually do not accept prepaid or debit cards. Individuals with bad credit should apply because approval is usually guaranteed even if your credit is poor. It is important to note that most secured card companies report the way you pay your bill to be added to your credit profile. This can be a wonderful method to prove you are creditworthy by showing timely payments whether you have Fair credit or not. After making several payments in a row, 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.

Prepaid Credit Cards - With a Prepaid card, you get out of it exactly what you put in. Similar to a checking account, you put money in and that becomes the amount that can be used for purchases. After the prepaid account balance becomes depleted, you can recharge it with an additional deposit. Reloadable cards are fantastic for students, transactions can be tracked and recorded if necessary, and they are a great solution for those that cannot get a conventional checking account. Fast approval is usually granted despite your bureau profile and there is no need for the bank that issues the prepaid cards to deal with Experian, Equifax, and TransUnion.

With all of the diverse types of Good Credit Cards for Fair credit and incentives that each of them offer, there is something for everyone. Look for Good Credit Cards that offer rewards that match your lifestyle and spending style. Once you are approved always spend within your budget and stay under the limit. Timely payments are important as well. Superb credit is an awesome asset.

To make sure that you keep building an excellent credit profile, take heed to these general instructions:

1. Always have your bill at a percentage of the card's max. Another way of saying it is, don't "over spend". Make sure to retain a balance that is generally forty to fifty percent of the maximum spending limit on any Good Credit Cards for Fair Credit.

2. Make the monthly payments by the due date. Even if you have to make just the minimum payment that is listed on your monthly statement, that's ok. Once a payment is more than 30 days behind, it will be reported to Experian, Equifax, and Trans Union. This is bad for your FICO score. Not to mention when this happens you may also experience a rising interest rate as a consequence of just this one past due payment. Therefore it is recommended that consumers pay on time.

3. Pay all balances down to zero every few billing cycles. When you make purchases, try to bring the balance to zero as many times a year as possible. When you do this, it is smart to start using the card again then pay it off once again after over the course of a few billing cycles, and make this your repayment pattern. This cycle indicates to the issuers that you will be a great customer. Most lenders reward customers like this with low interest rates, higher credit limits, and a better credit score.

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Good Credit Cards for Fair credit are available online. Click here to apply for a card that suits your situation.

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