Quick Credit Cards for Good
Credit - Learning The Choices
If folks have
Credit, how will they
distinguish which Quick Credit Cards
to choose when there are so many opportunities?
The information below will break down several kinds
of cards to offer a helpful outline
of the advantages of each:
Money Back - With a Money Back
card, customers are rewarded with a repayment that equals
a fraction of their transactions. For example,
if somebody is approved for a Money Back
option that offers five percent cash back
on groceries, gas, and pharmacy
items, as purchases increase and rewards accumulate, they can be redeemed. If you
use one hundred and fifty dollars in gasoline, supermarket items,
and pharmacy purchases weekly, at
the end of a 12-month period, almost $400
in cash would be available.
Rewards Points - Instead
of rewarding customers with money back, some lenders
offer points programs. Customers get
points every time the card is used. As purchases are made, the points
add up. After a certain amount of points add up they can be cashed in for things like
free travel, gifts, magazines, and so on.
Be sure to find out if the Quick Credit Cards
for Good Credit that you want will offer
a points program.
Gas Rewards - Lenders
can be understanding about the cost
of gas and want to reward
consumers for their purchases by rewarding them with a free
fuel card. As transactions are completed, points are accumulated and summarized. Once enough points have been earned they can be cashed in for a
prepaid gas station card. The cool thing is, with some cards gas rewards can even be earned
when you are gassing up your vehicle.
Reward Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Air Traveler Miles - When purchases are made with these cards, customers can earn frequent traveler's points that can be redeemed for free travel. Once enough points are accumulated, they can be applied toward all kinds of travel arrangements including free air travel. Frequent travelers really like these rewards.
0% Promotional Interest Rates - Customers that utilize these cards are not charged any interest or finance charges for a certain number of months.
The period where no finance charges are being applied usually lasts anywhere from 6-12 months.
Smart folks use promotions such as this
to shift outstanding balances from their high interest Quick Credit Cards
to one of these and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Making monthly payments on time is incredibly important.
When a single payment becomes past due, typically
the interest free rates are changed to another
rate. Folks that are approved for
Quick Credit Cards for Good
Credit, and are offered an interest free period
ought to consider this card.
Secured Cards to Build Creditworthiness - Customers that have this type of card
would put a cash amount into an account specified by the secured card issuer.
This "is what makes it a "" secured card"" ." At that point a credit card is
offered with a credit limit in
the opening balance of the interest bearing account that was created. Each time a transaction is approved your available credit is recalculated, low interest
monthly payments are determined, and a bill
is given to you. If transactions are being approved, low monthly payments will become due. Secured Cards to Build Creditworthiness
are awesome because they function the same as
standard credit cards allowing customers
the freedom to book travel arrangements like rental cars
that generally do not take debit
cards. One of the best things about the application process is that approval is ordinarily
guaranteed no matter what. But do not forget that most
credit-rebuilding card companies report whether or not timely payments are made
to be added to your credit profile. This is a good
approach to establish creditworthiness by showing timely
payments whether you have Good
credit or not. Once you have paid
six to twelve consecutive timely payments, 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 most of the benefits of a credit card without the debt. Similar to
a conventional account, you put money in and this becomes
the amount that can be spent. When the prepaid credit card
balance becomes depleted, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. Prepaid credit cards
are terrific for parents to use to give an allowance to their teen or college student, purchases can be tracked, and they help people that cannot
obtain a typical bank account.
Quick approval is generally not a problem despite
your FICO score and there is
no need for the bank that issues the prepaid cards to deal with the credit bureaus.
With all of the different types
of Quick Credit Cards
for Good credit and
incentives that exist, there is something for everyone. Consider
Quick Credit Cards that allow for the most rewards. Once you are approved always
spend wisely and pay the bill on or before the due date. Superb credit is a wonderful
To guarantee that you keep developing a top notch credit report, obey these easy directions:
1. Always have your bill at no more than half of the
credit limit. In other words, do not
"go crazy". It is important to maintain
a balance that is somewhere around sixty percent or less
of the max on any
Quick Credit Cards for Good Credit.
2. It is important to pay the bill when it is due. Even if you have to make just the minimum payment that is listed on your monthly statement, that's ok. If you miss a payment, that information could be posted to Experian, Equifax, and Trans Union. This could bring down the consumer's FICO profile. Not to mention customers may also have to pay an increased interest rate as a result of one tardy payment. Thus it is smart to stay on top of the bill.
3. Repay the whole thing off every so often.
If the card is used a lot, try to
take a few months and pay it off as often as you can. Subsequently, it is wise to
make more purchases then after a couple of billing cycles, pay the whole thing off just like you did before, and keep this pattern going
This sequence indicates to the lenders
that you can be an excellent credit candidate. Once this sequence is repeated a couple of times, you could qualify for
low rates, a higher credit max, and a better credit score.
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