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Good Credit Cards for Great Credit

 
 
 

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Good Credit Cards for Great Credit

Search now to find affordable interest rates, for which you may qualify. Act now and search for Good Credit Cards that offer great benefits, like:

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

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Good Credit Cards for Great Credit - Understanding The Choices

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

Cash Back - With a Cash Back card, customers get a refund that is the same as a fraction of their purchases. For instance, if somebody has a Cash Back offer that provides 5% cash back on supermarket, gas, and drugstore purchases, as the cash back rewards add up they can be cashed in. If you spend one hundred and fifty dollars in gas, food, and drug store items each week, at the end of a year, about four hundred dollars in cash back rewards would be ready to cash out.

Redeemable Points - In lieu of rewarding customers with cash back, some lenders present customers with redeemable rewards. Customers receive rewards for just about every transaction. Every time the card is used, the rewards increase. After a certain amount of points add up they can be redeemed for great stuff, such as free hotel stays, gifts, magazines, and so on. Be sure to find out if the Good Credit Cards for Great Credit you apply for offers a points program.

Gas Rewards - Credit card issuers are often times sensitive to the cost of gasoline and will give incentives to their customers for using their credit card by giving them a prepaid gas card. As the card is used, points are accumulated. After you have earned enough points you can get a free prepaid gasoline card. Sometimes, gas points are actually accumulated even while making gas purchases.

Points Redeemable for Free Hotel Stays, Rental Cars or Frequent Air Travel Miles - When these cards are used, 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 cashed in for discounted or free airline tickets or travel accommodations. Business travelers find these kinds of programs to be very beneficial.

Zero Percent Introductory Interest Rates - Finance charges are not applied on these cards for a specified amount of time. The period where no finance charges are being applied usually spans six months up to a year. Generally, folks take advantage of promotions such as this to shift 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 the first payment is received late, most times 0% APR rates adjust to an interest-bearing rate. People that are eligible for Good Credit Cards for Great Credit, and have the opportunity to sign up for a 0% introductory rate should choose this great opportunity.

Secured Credit Cards - People with a secured credit card simply puts a specified amount of cash in an account that can earn interest while it is there. This is what secures the account. After the deposit is made a card is extended to the applicant with a line of credit equal to the amount of the deposit. Every time you use it the credit limit decreases, low rate recurrent payments are computed, and payment plan is is mailed or emailed if you choose paperless billing. If purchases are made you will receive a payment plan. Secured Credit Cards are excellent because they function like ordinary credit cards allowing people to do things that debit cards may not, like making travel arrangements such as vehicle rentals that commonly do not take prepaid or debit cards. However, just like prepaid cards approval is generally guaranteed despite your credit profile. However, keep in mind that most secured card issuers report your payment schedule and how you keep up with your payments to Experian, Equifax, and Trans Union. This can be a good technique to show creditworthiness by paying scheduled payments no matter if you have Great credit or not. Once you have paid several consecutive timely payments, most times the bank that gave you the card will allow you to make purchases over your current limit without requiring additional collateral.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, you get most of the benefits of a credit card without the debt. Just like a checking account, a certain amount of money is deposited into an account and this is the amount that can be spent. As the prepaid card balance has been completely used, 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 excellent for budgeting, they allow people to make online purchases, and they are generally granted to those that may not qualify to acquire a typical depository account. Approval is typically guaranteed regardless of your credit score and there is no need for the issuer to contact the credit bureaus.

With all of the different sorts of Good Credit Cards for Great credit and incentives that each of them offer, it is easy to identify the best solution for your situation. Consider Good Credit Cards that allow for the most rewards. No matter which card you choose, always make wise purchases and timely payments. Excellent credit is a great asset.

To make certain that you keep growing a great FICO score, obey these few tips:

1. Always have a balance at a percentage of the credit limit. In other words, it is not smart to "max out". It is important to keep a bill that is somewhere around forty to fifty percent of the maximum spending limit on any Good Credit Cards for Great Credit.

2. It is important to pay the bill when it is due. Even if a small payment can be made, be sure to pay the bill on time. If the bill is paid 30 days after the due date, that information could be reported to the credit reporting companies. This could bring down your FICO report. As a result, you may also have to pay more points on the card's interest rate as a consequence of just this one delayed payment. Therefore it is wise to stay on top of the bill.

3. Repay the balance completely every quarter. If the card is used a lot, make it your goal to take a few months and pay it off as often as you can. Then once your balance is paid off you can feel free to begin creating transaction activity (like buying gas, shopping online, or making purchases) and pay it back down to zero again after a few months, and don't stop this habit. This sequence indicates to the lenders that you can be a great customer. Once this sequence is repeated a couple of times, you could qualify for lower rates, an increased credit limit, and a better credit score.

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