Quick Credit Cards for Perfect
Credit - Understanding The Possibilities
If people have
Credit, how can they
know which Quick Credit Cards
to choose when there are so many options?
This article discusses several varieties
of cards to give you a better outline
of the pros of each:
Cash Back - With a Cash Back
card, customers get a repayment that equals
a percentage of their transactions. For instance,
if a customer has been approved for a Cash Back
solution that offers five percent cashback
on food, fuel, and pharmacy
items, as purchases increase and rewards accumulate, they can be redeemed. If you
pay a hundred fifty dollars in fuel, groceries,
and pharmacy purchases every 5-7 days, by
the completion of a 12-month period, almost $400
in cash would be ready to cash out.
Rewards Points - Instead
of providing cash rewards, some issuers
present customers with points programs. Customers earn
points when purchases are made. With each swipe of the card, the rewards
add up. After a certain amount of points add up they can be cashed in for perks like
free rental cars, gift items, magazines, etc.
It is wise to see if the Quick Credit Cards
for Perfect Credit you are considering offers
Fuel Bonuses - Companies
can be understanding about the price
of gasoline and will reward
their customers for using their cards by offering them a free
fuel card. As purchases are made, points are earned. Once you have completed enough transactions to accumulate a certain amount of points you can get a
free prepaid gas card. Sometimes, fuel points can be earned
while making gas purchases.
Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Traveler Miles - When purchases are made with this kind of card, redeemable points that can be used for free travel arrangements including airline travel are accumulated. As the points add up, 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.
0% Introductory Interest Rates - With these cards, finance charges are not accrued for a certain amount of time.
The promotional period usually spans six months up to a year.
Typically, folks are advised to utilize this interest-free period
to move balances 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. Making monthly payments on time is crucial.
When a payment is paid after the due date, typically
the interest free introductory rates are changed to a different
rate. Customers that are offered
Quick Credit Cards for Perfect
Credit, and are offered an interest free period
should choose this money saving option.
Secured Cards to Re-establish Credit - Customers that have this type of card
must insert a few hundred to a few thousand dollars, depending on what they could afford, into a secure account that accumulates interest.
This "is why the card is called "" secured"" ." Once the account is set up, a card is
issued with a credit limit that is the same as
the amount of the deposit. Every time you use it the amount of that transaction is deducted from your available credit balance, low interest
monthly payments are calculated, and a bill
is given to you. If the card is being used a relatively small monthly payment is expected. Secured Cards to Re-establish Credit
are good because they perform the same as
standard credit cards allowing you
to complete all kinds of transactions including booking travel arrangements like airline tickets
that typically do not accept check
cards. However, just like prepaid cards approval is generally
guaranteed even if your credit is poor. This is good because most
secured card companies report whether or not timely payments are made
to the credit bureaus. This is a great
practice to establish creditworthiness by paying timely
payments whether you have Perfect
credit or not. Once you have paid
six to twelve payments in a row, most issuers will increase your credit limit without
asking for another deposit to the initial secured account.
Reloadable Prepaid Credit Cards - With
a Reloadable Prepaid card, there is no question about the credit limit. Similar to
a regular bank account, a certain amount of money is deposited into an account and that is
the credit limit. 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
work wonderfully for staying on a budget, purchases can be tracked, and they are generally granted to those that may not qualify to
get a regular depository account.
Approval is usually not a problem regardless of
your FICO profile and there is
no need for the prepaid company to deal with the credit bureaus.
With all of the various varieties
of Quick Credit Cards
for Perfect credit and
incentives that they have, it is easy to identify the best solution for your situation. Look for
Quick Credit Cards that offer rewards that match your lifestyle and spending style. The most important thing is to be sure to
spend within your budget and stay under the limit. Timely payments are important as well. Good credit is a great
thing to have.
To guarantee that you keep cultivating the perfect credit profile, obey these three guidelines:
1. Maintain a balance at no more than half of the
credit limit. In other words, do not
"go wild". It is smart to retain
an account that is no more than half
of the limit on any
Quick Credit Cards for Perfect Credit.
2. Do not make late payments. 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, that information could be sent to the credit reporting companies. This is not good for your FICO report. And let's not forget the fact that you may also have to pay a higher interest rate as a consequence of just one delayed payment. Thus it is smart to be mindful of the due dates.
3. Repay the balance in total every couple months.
When the balance gets to be about half of the limit, do your best to
take a few months and pay it off as much as possible. After completing this, 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 pattern going
This process illustrates to the issuing companies
that you will be creditworthy. Once this sequence is repeated a couple of times, you could qualify for
a lower interest rate, a higher limit, and a better FICO score.
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