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Smart Credit Cards for Awesome Credit

 
 
 

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Smart Credit Cards for Awesome Credit

Search now to find low interest rates. Are you qualified? Get started now to search for Smart Credit Cards with great benefits, like:

  • Low Rates
  • Cash Back Rewards
  • Airline Rewards
  • Redeemable Points
  • Balance Consolidation

Serving one or more of the following states: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

 
 
 

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Smart Credit Cards for Awesome Credit - Understanding The Choices

When people have Awesome Credit, how do they know which Smart Credit Cards to select when there are so many options? The information below will discuss several types of cards to offer a useful understanding of the advantages of each:

Money Back - With a Money Back card, customers are offered a rebate equal to a percentage of their transactions. For example, if a customer has been approved for a Money Back offer that provides 5% cashback on food, gasoline, and drugstore items, as the rebates add up they earn cash value. If you pay a hundred fifty dollars in gasoline, groceries, and pharmacy items weekly, at the close of a year, almost $400 in rebates would have accumulated.

Rewards Points - Instead of rewarding customers with cash rebates, some companies give redeemable rewards. Customers get rewards for making purchases. As purchases are made, the rewards increase. When you earn enough points they can be cashed in for things like free rental cars, gift cards, magazines, etc. Always check to see if the Smart Credit Cards for Awesome Credit you apply for offers a points program.

Petro Rewards - Card Issuers are often times sensitive to the price of gas and want to offer an incentive to their customers for their purchases by giving them a prepaid gasoline card. As the credit card is utilized, reward points add up. Once enough points have been earned they can be redeemed for a prepaid gas station card. The cool thing is, with some cards fuel points can be earned when buying gas.

Rewards for Free Hotel Stays, Rental Cars or Frequent Air Travel Miles - When purchases are made with this kind of card, points that can be used as free frequent flyer miles or free travel vouchers are earned. Once enough points are accumulated, they can be cashed in exchange for free airline tickets, hotel stays, or rental cars. Frequent travelers really like these rewards.

Zero Percent Promotions - Customers that utilize these cards are not charged any interest or finance charges for a certain number of months. The promotional period generally spans half a year to a whole year. Typically, people are advised to utilize this time to move balances from their interest bearing Smart Credit Cards to one like this and pay the balances off within the promotional period. Keeping monthly payments up to date is very important. When one payment becomes past due, most times zero percent APR rates are changed to a much higher rate. Folks that are eligible for Smart Credit Cards for Awesome Credit, and have the chance to get an interest free period should consider this money saving option.

Secured Cards for Building Credit - People that have a secured card must deposit a cash amount in an account that generates interest that the secured card issuer will set up. This becomes the card's collateral At that point a credit card is extended to the applicant with a credit max equal to the amount that has been deposited in the account. Each time you swipe your card the credit limit decreases, affordable regularly scheduled payments are computed, and a monthly invoice is sent. If the card is active an affordable monthly invoice will be sent. Secured Cards for Building Credit are great because they function like normal credit cards allowing people to complete all kinds of transactions including booking travel accommodations such as airline tickets that sometimes do not take standard bank account cards. For those with bad credit approval is usually guaranteed no matter what. This is good because most secured card companies submit whether or not the bill is paid on time to Experian, Equifax, and Trans Union. This is a remarkable technique to establish creditworthiness by paying scheduled payments whether you have Awesome credit or not. After paying a certain number of payments on or before their due date, most issuers will increase your credit limit without requiring an additional deposit.

Pre-paid Credit Cards - With a Pre-paid card, you get out of it exactly what you put in. Similar to a conventional account, a deposit is made into an account and that is your spending limit. After the prepaid account balance has been completely used, you can recharge it with an additional deposit. Prepaid credit cards are great for financial planning, transactions can be tracked and recorded if necessary, and they help people that cannot obtain a conventional bank account. Approval is generally not a problem despite your bureau score 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 benefits that are offered, there is something for everyone. Look for Smart Credit Cards that offer rewards that match your lifestyle and spending style. Remember these things and be sure to spend within your budget and stay under the limit. Timely payments are important as well. Good credit is a terrific asset.

To be certain that you keep growing the best credit report, take heed to these three rules:

1. Always have your outstanding balance at a percentage of the credit limit. In other words, don't "max out". Make sure to maintain a bill that is about half 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, that's ok. If you miss a payment, that information will be forwarded to Experian, Equifax, and Trans Union. This has adverse affects on the consumer's FICO profile. And let's not forget the fact that when this happens you may also be assessed more points on the card's interest rate as a result of something as small as a past due payment. Therefore it is wise to make this bill payment a financial priority.

3. Pay the balance completely every so often. If the card is used a lot, do your best to pay it all off at least once a year. After completing this, it is okay to begin creating transaction activity (like buying gas, shopping online, or making purchases) and take a few months to pay the balance off again, and keep this cycle going. This pattern confirms to the issuing companies that you can be a great customer. Some of the other benefits of this approach are low interest rates, higher credit limits, and a higher FICO score.

Our network members serve one or more of these states: Alabama * Alaska * Arizona * Arkansas * California * Colorado * Connecticut * Delaware * District of Columbia * Florida * Georgia * Hawaii * Idaho * Illinois * Indiana * Iowa * Kansas * Kentucky * Louisiana * Maine * Maryland * Massachusetts * Michigan * Minnesota * Mississippi * Missouri * Montana * Nebraska * Nevada * New Hampshire * New Jersey * New Mexico * New York * North Carolina * North Dakota * Ohio * Oklahoma * Oregon * Pennsylvania * Rhode Island * South Carolina * South Dakota * Tennessee * Texas * Utah * Vermont * Virginia * Washington * West Virginia * Wisconsin * Wyoming

Smart Credit Cards for Awesome credit are easy to find. Act now to start the application for a card that could be the answer to your situation.

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