Quick Credit Cards for Good
Credit - Understanding The Opportunities
When individuals have
Credit, how can they
tell which Quick Credit Cards
to choose when there are so many options?
The information below will discuss several kinds
of cards to offer a helpful outline
of the pros of each:
Money Back - With a Money Back
card, customers get a rebate equivalent to
a fraction of their transactions. For example,
if an applicant is approved for a Money Back
option that offers 5% cash back
on groceries, gas, and drugstore
purchases, as the cash back rewards add up they can converted to cash. If you
pay one hundred and fifty dollars in petro, groceries,
and drugstore items each week, at
the conclusion of a year, about four hundred dollars
in cash back rewards would be available.
Redeemable Points - In lieu
of providing cash back, some issuers
offer redeemable rewards. Customers get
rewards for just about every transaction. Every time the card is used, the points
add up. When you earn enough points they can be cashed in for great stuff, such as
free travel, gift cards, magazines, and so on.
It is important to know whether or not the Quick Credit Cards
for Good Credit you are considering offers
Petro Rewards - Companies
can be sensitive to the cost
of fuel and want to give incentives to
consumers for using their credit card by offering them a free
fuel card. As the card is used, points are accumulated. Once enough points have been earned they can be cashed in for a
free prepaid gas station card. The funny thing is, with some cards gas points are actually accumulated even
when making fuel purchases.
Points Redeemable for Free Rental Car Upgrades, Hotel Rooms, or Frequent Air Traveler Miles - When these cards are used, redeemable points that can be cashed in for free travel miles are earned. Once a certain number of points have been accumulated, they can be cashed in for discounted or free airline tickets or travel accommodations. Frequent travelers really like these rewards.
0% Promotional Interest Rates - What does this mean? Simply put: for a limited time, finance charges are not incurred.
The period where no finance charges are being applied usually spans six months up to a year.
Typically, customers use this time
to shift outstanding balances from their interest bearing 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 timely payments is very important.
When a single payment is overdue, most times
the introductory rates are changed to a higher
rate. Folks that are offered
Quick Credit Cards for Good
Credit, and have the chance to get a 0% introductory rate
ought to think about this card.
Secured Cards to Build Creditworthiness - Customers that have this type of card
must put a few hundred to a few thousand dollars, depending on what they could afford, into an account that generates interest that the secured card issuer will set up.
This is what secures the account. At that point a credit card is
offered with a line of credit in
the amount that has been deposited in the account. Each time a transaction is approved the credit limit decreases, affordable
regularly scheduled payments are determined, and a monthly invoice
is generated. If the card is being used an affordable repayment plan will be created. Secured Cards to Build Creditworthiness
are great because they function the same as
normal credit cards allowing customers
to complete all kinds of transactions including booking travel accommodations such as hotels
that generally do not take prepaid or debit
cards. One of the best things about the application process is that approval is ordinarily
guaranteed despite your credit profile. This is good because many
secured card companies report whether or not timely payments are made
to Experian, Equifax, and Trans Union. This is a fantastic
method to establish creditworthiness by showing regular
payments whether you have Good
credit or not. After paying
several payments in a row, many times the limit can be increased without
asking for another deposit to the initial secured account.
Pre-paid Credit Cards - With
a Pre-paid card, purchases can be made without interest, fees, or finance charges. Just like
a conventional account, you put money in and that is
the credit limit. When the prepaid credit card
balance has been exhausted, you can recharge it with an additional deposit. Prepaid credit cards
are excellent as gifts, transactions can be tracked and recorded if necessary, and they are a great solution for those that cannot
obtain a traditional bank account.
Approval is generally granted regardless of
your credit score and there is
no need for the issuer to deal with the three bureaus.
With all of the diverse varieties
of Quick Credit Cards
for Good credit and
rewards that are offered, there is a solution available for most credit card seekers. Look for
Quick Credit Cards that offer rewards that match your lifestyle and spending style. Remember these things and always
stay within your credit limit and make your payments on time every month. Superb credit is fantastic
To ensure that you keep developing a superb credit report, take heed to these few instructions:
1. Maintain your bill less than the
card's max. Another way of saying it is, do not
"go crazy". It is smart to retain
a bill that is no more than sixty percent or less
of the available balance on any
Quick Credit Cards for Good Credit.
2. Make payments on or before the due date. Even if a small payment can be made, it is better to make that small payment on time then it is to try and pay more at a later date. If the bill is paid 30 days after the due date, it may be told to the credit reporting agencies. This could bring down your credit profile. And let's not forget the fact that you may also experience a rising interest rate as a result of a single past due payment. Thus it is smart to make this bill payment a financial priority.
3. Pay the balance completely every few months.
When purchases are made, make it your goal to
take a few months and pay it off as often as you can. Subsequently, you can feel free to
start swiping your card for purchases again and pay it off once again after over the course of a few billing cycles, and keep this cycle going.
This pattern illustrates to the issuers
that you will be a great customer. You could also be rewarded with
low interest rates, higher credit limits, and a higher FICO score.
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