Quick Credit Cards for Perfect
Credit - Learning The Choices
If individuals have
Credit, how will they
distinguish which Quick Credit Cards
to pick when there are so many choices?
This article will expand on a couple kinds
of cards to offer a useful outline
of the benefits of each:
Money Back - With a Money Back
card, customers are rewarded with a refund that is the same as
a percentage of their transactions. For instance,
if somebody has a Money Back
solution that gives five percent cash back
on food, gasoline, and pharmacy
items, as the rebates add up they earn cash value. If you
spend $150 in gas, supermarket items,
and pharmacy items every week, by
the completion of a year, about four hundred dollars
in cash would be ready to cash out.
Rewards Points - In lieu
of rewarding customers with money back, some lenders
offer points programs. Customers receive
rewards when purchases are made. With each swipe of the card, the rewards
accumulate. Once a specified number of points have accumulated they can be cashed in for things like
free merchandise, gifts, subscriptions, etc.
Always check to see if the Quick Credit Cards
for Perfect Credit that you want will offer
a points program.
Petro Bonuses - Companies
are often times considerate of the price
of gas and want to compensate
their customers for using their cards by giving them a prepaid
gas card. As transactions are completed, points are accumulated and summarized. Once you have completed enough transactions to accumulate a certain amount of points you are eligible for a
prepaid fuel card. The funny thing is, with some cards gas points are actually accumulated even
when you are getting gas.
Points for Free Hotel Accommodations, Car Rentals, or Frequent Air Traveler Miles - When these cards are used, customers can earn frequent traveler's points that can be redeemed for free travel. Once a certain number of points have been accumulated, they can be cashed in exchange for free airline tickets, hotel stays, or rental cars. This kind of card is great for business travelers.
0% Promotions - With these cards, finance charges are not accrued for a certain amount of time.
The period where no finance charges are being applied generally lasts anywhere from six to twelve months.
Most times, folks are advised to utilize this promotional period
to shift their balance from their high interest Quick Credit Cards
to one like this and pay it off while there are no finance charges being accrued. Making timely payments is very important.
When just one payment is late, typically
the introductory rates go up to an interest-bearing
rate. Folks that are eligible for
Quick Credit Cards for Perfect
Credit, and are offered a 0% promotion
should think about this card.
Secured Credit Cards - Customers that have this type of card
simply puts money into a savings account.
This account serves as the security for the issuer. At that point a card is
sent with a credit max in
the opening balance of the interest bearing account that was created. Each time a transaction is approved the credit limit decreases, affordable
recurrent payments are calculated, and a bill
is is mailed. If purchases are made a relatively small monthly payment is expected. Secured Credit Cards
are good because they function the same as
normal credit cards allowing customers
to complete all kinds of transactions including booking travel arrangements such as rental cars
that usually do not take prepaid or debit
cards. Another great feature is that approval is typically
guaranteed no matter what. This is good because many
credit-rebuilding card companies submit your payment schedule and how you keep up with your payments
to Experian, Equifax, and Trans Union. This is a remarkable
method to establish creditworthiness by paying scheduled
payments whether you have Perfect
credit or not. After paying
several payments on or before their due date, most times the bank that gave you the card will allow you to make purchases over your current limit without
requiring another deposit to the initial secured account.
Reloadable Prepaid Credit Cards - With
a Reloadable Prepaid card, purchases can be made without interest, fees, or finance charges. Just like
a typical bank account, you put money in and this becomes
the credit limit. When the prepaid account
balance has been exhausted, simply put more cash into the prepaid account and your card will be ready for use once again. Prepaid cards
are good for financial planning, they make it so you don't have to carry cash all the time, and they help people that cannot
obtain a normal banking account.
Approval is generally granted regardless of
your credit score and there is
no need for the prepaid company to contact the three bureaus.
With all of the various varieties
of Quick Credit Cards
for Perfect credit and
benefits that each of them offer, there is a solution available for most credit card seekers. Consider
Quick Credit Cards that offer rewards that match your lifestyle and spending style. Make an educated choice and always
spend within your budget and stay under the limit. Timely payments are important as well. Super credit is fantastic
thing to have.
To ensure that you keep cultivating a prime credit report, take heed to these general tips:
1. Always have a balance at no more than half of the
credit limit. Another way of saying it is, don't
"go crazy". Make sure to carry
a balance that is no more than forty to fifty percent
of the available balance on any
Quick Credit Cards for Perfect Credit.
2. Do not make late payments. Even if you have to make just the minimum payment that is listed on your monthly statement, pay it before the due date. Once a payment is more than 30 days behind, that information will be sent to the credit reporting companies. This has adverse affects on your FICO profile. Additionally, when this happens you may also experience more points on the card's interest rate as a result of something as small as a tardy payment. Hence it is advised that you make this bill payment a financial priority.
3. Repay the entire bill every quarter.
When the balance gets to be about half of the limit, do your best to
take a few months and pay it off at least one time per year. After the bill has been paid down to zero it is wise to
start swiping your card for purchases again and after a couple of billing cycles, pay the whole thing off just like you did before, and keep this cycle going.
This sequence demonstrates to the lenders
that you can be a great customer. Most lenders reward customers like this with
low rates, more of a limit, and a better credit profile.
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Quick Credit Cards
for Perfect credit
are simple to apply for. Act now
to get approved for a card that could be the answer to