Quick Credit Cards for Awesome
Credit - Knowing The Options
When individuals have
Credit, how do they
distinguish which Quick Credit Cards
to pick when there are so many possibilities?
This article discusses a few kinds
of cards to offer a better outline
of the pros of each:
Cash Back - With a Cash Back
card, customers are offered a reimbursement equal to
a percentage of their purchases. For instance,
if a customer has been approved for a Cash Back
option that provides five percent cashback
on supermarket, fuel, and pharmacy
items, as the cash back rewards add up they earn cash value. If you
use one hundred and fifty dollars in petro, supermarket items,
and drugstore items each week, at
the close of a year, $390
in cash back rewards would have accumulated.
Rewards Points - In lieu
of offering cash back, some companies
offer points programs. Customers receive
rewards for making purchases. As purchases are made, the rewards
increase. When you earn enough points they can be redeemed for all kinds of goodies including
free rental cars, gift items, magazines, and so on.
Always check to see if the Quick Credit Cards
for Awesome Credit that you want will offer
a points program.
Gas Rewards - Card Issuers
are often times understanding about 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. After a specified amount of points are accumulated they can be turned in for a
free prepaid gasoline card. The cool thing is, with some cards gas points are actually accumulated even
while you are gassing up your vehicle.
Points Toward Free Rental Car Upgrades, Hotel Rooms, or Frequent Flyer Miles - When this kind of card is utilized, 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 applied toward all kinds of travel arrangements including free air travel. Business travelers find these kinds of programs to be very beneficial.
Zero Percent Promotional Interest Rates - Finance charges are not applied on these cards for a specified amount of time.
The promotional period typically lasts anywhere from six to twelve months.
Typically, customers are advised to utilize this kind of card
to transfer their balance from their high interest Quick Credit Cards
to one of these, then create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Keeping monthly payments up to date is key.
When just one payment is not received on time, typically
the interest free rates are changed to another
rate. People that are offered
Quick Credit Cards for Awesome
Credit, and have the chance to get an introductory period free of finance charges
ought to consider this option.
Secured Cards to Establish Credit - Customers with a secured credit card
must deposit a cash amount in an interest-bearing savings account.
This "is why the card is called "" secured"" ." After the deposit is made a credit card is
delivered with a credit limit equal to
the amount of the deposit. Each time a transaction is approved the amount of that transaction is deducted from your available credit balance, low interest
recurrent payments are calculated, and a bill
is given to you. If the card is active an affordable monthly invoice will be sent. Secured Cards to Establish Credit
are perfect because they operate the same as
ordinary credit cards allowing people
to do things that debit cards may not, like making travel accommodations like hotels
that typically do not take standard bank account
cards. Individuals with bad credit should apply because approval is typically
guaranteed despite your credit profile. This can help in the rebuilding process because many
secured card issuers report whether or not the bill is paid on time
to Experian, Equifax, and Trans Union. This can be a wonderful
technique to prove you are creditworthy by making scheduled
payments whether you have Awesome
credit or not. Once you make
six to twelve payments on or before their due date, typically the lender will offer additional spending power without
asking for an additional deposit.
Prepaid Credit Cards - With
a Prepaid card, there is no question about the credit limit. Similar to
a regular bank account, a deposit is made into an account and this becomes
the amount that can be used for purchases. After the prepaid account
balance has been completely used, you can recharge it with an additional deposit. Reloadable cards
are excellent for financial planning, they offer the same flexibility as a check card, and they help people that cannot
acquire a traditional checking account.
Approval is normally guaranteed regardless of
your credit report and there is
no need for the bank that issues the prepaid cards to deal with the credit bureaus.
With all of the various varieties
of Quick Credit Cards
for Awesome credit and
rewards that exist, there is something for everyone. Seek
Quick Credit Cards that give the benefits that fit your situation. Once you are approved always
make wise purchases and timely payments. Awesome credit is an awesome
thing to have.
To guarantee that you keep growing an awesome FICO profile, follow these general guidelines:
1. Keep a balance at a percentage of the
credit max. In other words, it is not smart to
"go wild". Most people with excellent credit make it a point to carry
a bill that is somewhere around forty to fifty percent
of the limit on any
Quick Credit Cards for Awesome Credit.
2. Do not default on payments. Even if you have to make just the minimum payment that is listed on your monthly statement, it is better to make that small payment on time then it is to try and pay more at a later date. Once a payment is more than 30 days behind, it must be sent to the credit bureaus. This is not good for the consumer's FICO profile. And let's not forget the fact that when this happens you may also have more points on the card's interest rate as a consequence of just one past due payment. Hence it is smart to make this bill payment a financial priority.
3. Pay the whole thing off every few billing cycles.
When you make purchases, do your best to
pay the balance back down to zero at least once a year. After the bill has been paid down to zero it is okay to
start swiping your card for purchases again and pay it off once again after over the course of a few billing cycles, and don't stop this habit.
This repayment history confirms to the issuers
that you are an excellent credit candidate. Some other perks you could get when you repay in this way are
low rates, an increased credit limit, and a better credit profile.
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