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Good Credit Cards for Good Credit

 
 
 

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Good Credit Cards for Good Credit

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Good Credit Cards for Good Credit - Understanding The Choices

When people have Good Credit, how do they know which Good Credit Cards to select when there are so many opportunities? This article will expand on a couple types of cards to provide a better outline of the benefits of each:

Cash Back - With a Cash Back card, customers get a rebate that is the same as a percentage of their purchases. For example, if there is a Cash Back offer that provides five percent cash back on groceries, fuel, and pharmacy items, as the rewards accumulate they can be redeemed. If you spend $150 in fuel, supermarket items, and drugstore items every week, at the completion of a 12-month period, $390 in rebates would be ready to cash out.

Rewards Points - Instead of offering cash back, some issuers offer points programs. Customers earn rewards for making purchases. Every time the card is used, the rewards add up. After a certain amount of points add up they can be redeemed for all kinds of goodies including free merchandise, gift cards, subscriptions, and so on. It is wise to see if the Good Credit Cards for Good Credit you apply for offers a redeemable rewards program.

Fuel Rewards - Companies are often times sensitive to the price of fuel and will offer an incentive to their customers for their purchases by offering them a prepaid gas card. As the credit card is utilized, reward points add up. Once you have completed enough transactions to accumulate a certain amount of points they can be turned in for a prepaid gas card. Sometimes, fuel points can be earned when making fuel purchases.

Points Redeemable for Free Rental Car Upgrades, Hotel Rooms, 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. As the points add up, they can be applied toward all kinds of travel arrangements including free air travel. These programs are great for frequent travelers.

0% APR Promotions - Finance charges are not applied on these cards for a specified amount of time. This time period typically spans 6-12 months. Most times, folks are advised to utilize this promotional period to move balances from their current Good Credit Cards to one of these, then pay the balances off within the promotional period. Keeping monthly payments up to date is incredibly important. When a single payment becomes past due, most times the interest free rates adjust to an interest-bearing rate. Folks that are offered Good Credit Cards for Good Credit, and have the chance to get a 0% promotion should consider this opportunity.

Secured Cards to Re-establish Credit - Customers with this type of card simply puts money in an account specified by the secured card issuer. This "is why the card is called "" secured"" ." Once the account is set up, a card is delivered with a credit max in the opening balance of the interest bearing account that was created. As the card is used your available credit is recalculated, low rate recurrent payments are determined, and a monthly invoice is generated. If the card is active low monthly payments will become due. Secured Cards to Re-establish Credit are awesome because they function the same as ordinary credit cards allowing you to do things that debit cards may not, like making travel accommodations such as rental cars that commonly do not take standard bank account cards. One of the best things about the application process is that approval is generally guaranteed whether you have good credit or not. It is important to note that many credit-rebuilding card companies submit whether or not the bill is paid on time to be added to your credit profile. This could be a great way to establish creditworthiness by showing regular payments whether you have Good credit or not. After making a certain number of payments in a row, some secured card companies will approve a higher limit without asking for more cash to be put into the account that was used to set up the card.

Prepaid Credit Cards - With a Prepaid card, there is no question about the credit limit. Similar to a typical bank account, a deposit is made into an account and that becomes the credit limit. As the prepaid card balance has been exhausted, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. These cards are terrific for staying on a budget, purchases can be tracked, and they are generally granted to those that may not qualify to obtain a conventional banking account. Quick approval is generally guaranteed despite your FICO report and there is no need for the prepaid company to contact the three bureaus.

With all of the different types of Good Credit Cards for Good credit and rewards that exist, it is easy to identify the best solution for your situation. Consider Good Credit Cards that allow for the most rewards. Make an educated choice and always try to keep your purchases at less than half of your credit limit and make more than the minimum payment every month. Great credit is fantastic asset.

To be certain that you keep growing a top notch credit profile, obey these general guidelines:

1. Maintain your outstanding balance less than the card's max. In other words, it is not smart to "go crazy". It is important to keep an account that is about fifty percent of the maximum spending limit on any Good Credit Cards for Good Credit.

2. Pay the bill on time. Even if a small payment can be made, that's ok. If the bill is paid 30 days after the due date, that information will be reported to the credit reporting agencies. This has adverse affects on the consumer's FICO report. And let's not forget the fact that you may also have to pay an increased interest rate as a result of a single tardy payment. Therefore it is advised that you pay on time.

3. Repay the entire bill every time you can. When purchases are made, do your best to take a few months and pay it off at least one time per year. After completing this, it is okay to start using the card again and take a few months to pay the balance off again, and keep this pattern going This approach confirms to the issuing companies that you can be a great customer. Some of the other benefits of this approach are lower rates, higher credit limits, and a better credit score.

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