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Good Credit Cards for Good Credit - Which Card to Choose?

If folks have Good Credit, how can they distinguish which Good Credit Cards to choose when there are so many options? This article discusses several kinds of cards to provide a better outline of the benefits of each:

Money Back - With a Money Back card, customers are offered a refund equivalent to a percentage of their purchases. For instance, if there is a Money Back option that gives 5% cashback on food, gasoline, and drugstore purchases, as the rebates add up they earn cash value. If you pay $150 in gas, food, and drugstore purchases every week, at the completion of a 12-month period, almost $400 in cash back rewards would have accumulated.

Rewards Points - In lieu of offering cash rebates, some companies give points programs. Customers receive rewards for making purchases. With each swipe of the card, the rewards accumulate. Once a specified number of points have accumulated they can be redeemed for things like free merchandise, gift cards, subscriptions, and more. Be sure to find out if the Good Credit Cards for Good Credit that you want will offer a points program.

Gas Card Rewards - Card issuers can be sensitive to the price of gas and want to compensate their customers for making card purchases by giving them a prepaid gasoline card. As the card is used, points are accumulated. Once enough points have been earned you are eligible for a free prepaid gas card. The cool thing is, with some cards 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 these cards, customers receive "points" toward free travel including free frequent flyer miles. As the points add up, they can be redeemed for free travel accommodations. These programs are great for frequent travelers.

Zero Percent Promotional Interest Rates - With these cards, finance charges are not accrued for a certain amount of time. The promotional period typically spans 6-12 months. Many folks are advised to utilize this promotional period to move balances from their interest bearing 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 crucial. When a single payment is received late, generally zero percent APR rates adjust to an interest-bearing rate. Folks that are approved for Good Credit Cards for Good Credit, and are offered a zero percent promotion should choose this card.

Secured Cards to Establish Credit - People that have one of these simply deposits a specified amount of cash in a secure account that accumulates interest. This "is what makes it a "" secured card"" ." At that point a card is extended to the applicant with a spending limit equal to the opening balance of the interest bearing account that was created. Every time you use it your available credit is recalculated, affordable monthly payments are determined, and a monthly invoice is generated. If purchases are made low monthly payments will become due. Secured cards to establish credit are awesome because they perform like normal credit cards allowing you to complete all kinds of transactions including booking travel accommodations including hotels that typically do not accept prepaid or debit cards. One of the best things about the application process is that approval is typically guaranteed no matter what. But do not forget that many secured card companies report your payment schedule and how you keep up with your payments to the credit bureaus. This could be a good method to prove you are creditworthy by paying timely payments whether you have Good credit or not. Once you make several payments in a row, typically the lender will offer additional spending power without asking for another deposit to the initial secured account.

Pre-paid Credit Cards - With a Pre-paid card, there is no question about the credit limit. Just like a conventional account, a certain amount of money is deposited into an account and that is your spending limit. As the prepaid account balance is used up, simply put more cash into the prepaid account and your card will be ready for use once again. Reloadable prepaid cards work well for budgeting, purchases can be tracked, and they work well for individuals that are unable to get a normal depository account. Fast approval is typically guaranteed regardless of your credit profile and there is no need for the prepaid card issuer to contact Experian, Equifax, and TransUnion.

With all of the various kinds of Good Credit Cards for Good credit and benefits that they have, 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 always stay within your credit limit and make your payments on time every month. Prime credit is fantastic thing to have.

To guarantee that you keep cultivating a superb credit score, follow these few instructions:

1. Always have your bill at a low percentage of the credit limit. Another way of saying it is, do not "go wild". The banks encourage their cardholders to retain a bill that is generally forty to fifty percent of the max on any Good Credit Cards for Good Credit.

2. Pay the bill on time. Even if a minimum payment is all you can afford to make, be sure to pay the bill on time. Once a payment is more than 30 days behind, that information must be sent to the credit reporting agencies. This could bring down your FICO profile. Unfortunately, customers may also be assessed more points on the card's interest rate as a consequence of a single delayed payment. Therefore it is wise to pay on time.

3. Pay the whole thing off every few billing cycles. When you make purchases, do your best to take a few months and pay it off at least one time per year. Subsequently, 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 sequence demonstrates to the issuing companies that you are creditworthy. Some of the other benefits of this approach are a lower rate, more of a limit, and a more favorable credit report.

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Good Credit Cards for Good credit are just a few clicks away. Act now to apply for a card that suits your situation.

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