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Smart Credit Cards for Awesome Credit

 
 
 

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Smart Credit Cards for Awesome Credit

We search for affordable interest rates, for which you may qualify. Click now to apply for Smart Credit Cards with great options like:

  • 0% APR Introductory Rates
  • Cashback Rewards
  • Rewards Programs
  • Redeemable Points
  • Balance Consolidation

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Smart Credit Cards for Awesome Credit - Learning The Choices

If people have Awesome Credit, how do they know which Smart Credit Cards to choose when there are so many options? This article discusses a couple kinds of cards to provide a helpful understanding of the advantages of each:

Money Back - With a Money Back card, customers get a reimbursement that is the same as a fraction of their transactions. For example, if there is a Money Back offer that provides 5% cash back on supermarket, fuel, and drugstore purchases, as the cash back rewards add up they can be cashed in. If you pay one hundred and fifty dollars in gasoline, food, and drugstore items every week, at the completion of a 12-month period, $390 in rebates would have accumulated.

Redeemable Points - In lieu of offering money back, some lenders give redeemable rewards. Customers earn points for just about every transaction. With each swipe of the card, the points accumulate. Once a specified number of points have accumulated they can be redeemed for great stuff, such as free merchandise, gifts, subscriptions, and so on. Be sure to find out if the Smart Credit Cards for Awesome Credit you apply for offers a points program.

Fuel Bonuses - Companies can be considerate of the price of gas and want to offer an incentive to people for using their credit card by giving them a prepaid gas card. As the card is used, points are accumulated. After a specified amount of points are accumulated you are eligible for a free prepaid fuel card. The cool thing is, with some cards fuel points can be earned while making fuel purchases.

Rewards for Free Hotel Accommodations, Car Rentals, or Frequent Traveler Miles - When these cards are used, "customers receive "" points"" toward free travel including free frequent flyer miles." After an accumulation of a certain number of points, they can be cashed in for discounted or free airline tickets or travel accommodations. This kind of card is great for business travelers.

Zero Percent Promotions - In the beginning when these credit cards are utilized, there are no finance charges that are applied. This time period typically lasts anywhere from 6-12 months. Many folks are advised to utilize this kind of card to transfer their balance from their high interest Smart Credit Cards to one like this and pay it off while there are no finance charges being accrued. Making monthly payments on time is especially crucial. When one payment is not received on time, most the interest free rates are changed to another rate. Individuals that are applying for Smart Credit Cards for Awesome Credit, and have the chance to get an introductory period free of finance charges ought to think about this type of card.

Secured Cards for Rebuilding Credit - People with a secured credit card would insert money into an account that can earn interest while it is there. This account serves as the security for the issuer. Once the account is set up, a card is extended to the applicant with a line of credit equal to the amount of the deposit. Every time you use it the amount of that transaction is deducted from your available credit balance, affordable regularly scheduled payments are determined, and a monthly invoice is is mailed or emailed if you choose paperless billing. If the card is being used a relatively small monthly payment is expected. Secured Cards for Rebuilding Credit are perfect because they operate like standard credit cards allowing you the freedom to book travel accommodations like airline tickets that generally do not accept consumer checking account cards. One of the best things about the application process is that approval is typically guaranteed whether you have good credit or not. However, keep in mind that many secured card issuers report your repayment history to Experian, Equifax, and Trans Union. This is a great technique to prove you are creditworthy by showing regular payments whether you have Awesome credit or not. After paying six to twelve 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 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 out of it exactly what you put in. Similar to a typical bank account, you put money in and this is the credit limit. When the prepaid account balance runs out, it can be reloaded with more money and used again. Reloadable prepaid cards are fantastic as gifts, purchases can be tracked, and they work well for individuals that are unable to get a standard bank account. Quick approval is normally granted regardless of your bureau profile and there is no need for the bank that issues the prepaid cards to deal with the credit bureaus.

With all of the many kinds of Smart Credit Cards for Awesome credit and bonuses that each of them offer, there is a solution available for most credit card seekers. Seek Smart Credit Cards that allow for the most rewards. Stay smart and be sure to stay within your credit limit and make your payments on time every month. Awesome credit is fantastic thing to have.

To be certain that you keep growing a prime FICO score, take heed to these few guidelines:

1. Always have your outstanding balance lower than the credit max. In other words, do not "max out". Always keep a balance that is generally sixty percent or less of the limit on any Smart Credit Cards for Awesome Credit.

2. Make at least the minimum payment as scheduled. Even if you cannot make more than the minimum payment due, 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, that information must be forwarded to Experian, Equifax, and Trans Union. This could bring down your FICO score. As a result, customers may also be assessed a rising interest rate as a result of something as small as a past due payment. Thus it is advised that you make payments.

3. Pay the entire bill every quarter. When purchases are made, try to pay it all off as often as you can. After completing this, it is okay to start swiping your card for purchases again then pay it back down to zero again after a few months, and keep this cycle going. This repayment history demonstrates to the lenders that you can be an excellent credit candidate. You could also be rewarded with low rates, a higher limit, and a better credit score.

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Smart Credit Cards for Awesome credit are available online. Click here to get approved for a card that could be the answer to your needs.

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