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Smart Credit Cards for Perfect Credit

 
 
 

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Smart Credit Cards for Perfect Credit

Search and find low rates. Let's see if you qualify. Click here to get Smart Credit Cards with nice benefits, like:

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

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Smart Credit Cards for Perfect Credit - Understanding The Options

If people have Perfect Credit, how will they know which Smart Credit Cards to pick when there are so many options? This article will expand on a couple varieties of cards to provide a better understanding of the advantages of each:

Cash Back - With a Cash Back card, customers are offered a rebate that equals a percentage of their transactions. For instance, if there is a Cash Back option that provides five percent cash back on supermarket, gas, and pharmacy purchases, as purchases increase and rewards accumulate, they can be cashed in. If you spend $150 in gasoline, groceries, and drugstore purchases weekly, by the completion of a year, almost $400 in rebates would have accumulated.

Rewards Points - In lieu of providing cash rewards, some issuers present customers with points programs. Customers earn points for making purchases. As purchases are made, the points add up. After a certain amount of points add up they can be cashed in for perks like free rental cars, gift items, magazines, and so on. It is important to know whether or not the Smart Credit Cards for Perfect Credit you are considering offers rewards.

Fuel Bonuses - Credit card issuers can be considerate of the cost of gasoline and want to give incentives to consumers for using their credit card by offering them a prepaid gas card. As the credit card is utilized, reward points add up. After you have earned enough points they can be turned in for a free prepaid gas station card. The cool thing is, with some cards gas rewards can even be earned when making fuel purchases.

Points Toward Free Rental Car Upgrades, Hotel Rooms, or Frequent Flyer Miles - When purchases are made with this kind of card, customers can earn frequent traveler's points that can be redeemed for free travel. After an accumulation of a certain number of points, they can be cashed in exchange for free airline tickets, hotel stays, or rental cars. These programs are great for frequent travelers.

Zero Percent APR Promotions - What does this mean? Simply put: for a limited time, finance charges are not incurred. The promotional period usually lasts anywhere from six to twelve months. Most times, people use this promotional period to move outstanding balances from their interest bearing Smart Credit Cards to one of these, then pay the balances off within the promotional period. Making monthly payments on time is key. When a single payment is received late, typically the introductory rates go up to a different rate. People that are approved for Smart Credit Cards for Perfect Credit, and have the chance to get an interest free period ought to think about this money saving option.

Secured Cards - People that have a secured card simply inserts money in a savings account. This "is what makes it a "" secured card"" ." At that point a card is issued with a credit max in the amount that has been deposited in the account. Each time you swipe your card the credit limit decreases, low rate regularly scheduled payments are determined, and a bill is generated. If purchases are made an affordable monthly invoice will be sent. Secured Cards are terrific because they operate the same as ordinary credit cards allowing people the freedom to book travel accommodations including airline tickets that typically do not accept check cards. One of the best things about the application process is that approval is typically guaranteed regardless of your credit score. However, keep in mind that many secured card issuers report whether or not you are keeping up with your payments to the credit bureaus. This could be a fantastic way to show creditworthiness by showing regular payments no matter if you have Perfect credit or not. Once you have paid a certain number of consecutive timely payments, many times the limit can be increased without requiring another deposit to the initial secured account.

Prepaid Credit Cards - With a Prepaid card, purchases can be made without interest, fees, or finance charges. Similar to a conventional account, you put money in and that is your spending limit. As the prepaid credit card balance has been exhausted, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. Reloadable prepaid cards are terrific for students, transactions can be tracked and recorded if necessary, and they work well for individuals that are unable to get a standard depository account. Quick approval is generally granted despite your FICO score and there is no need for the bank that issues the prepaid cards to deal with the three bureaus.

With all of the various kinds of Smart Credit Cards for Perfect credit and bonuses that are available, there is something for everyone. Look for Smart Credit Cards that make sense for your situation that will allow you to control your spending habits. When you receive your card always spend within your budget and stay under the limit. Timely payments are important as well. Perfect credit is fantastic thing to have.

To guarantee that you keep growing a super credit profile, obey these simple rules:

1. Keep your bill lower than the credit limit. Another way of saying it is, don't "go wild". It is important to retain an account that is no more than sixty percent or less of the limit on any Smart Credit Cards for Perfect Credit.

2. Do not make late payments. Even if a small payment can be made, that's ok. If the bill is paid 30 days after the due date, that information could be posted to Experian, Equifax, and Trans Union. This is not good for your FICO score. Not to mention customers may also have to pay a higher interest rate as a consequence of just this one late payment. Hence it is wise to pay on time.

3. Repay the balance in total every time you can. When purchases are made, do your best to take a few months and pay it off at least one time per year. When you do this, it is smart to start using the card again and pay it off once again after over the course of a few billing cycles, and keep utilizing this approach as you complete your monthly budget and annual financial plan. This pattern confirms to the issuing companies that you can be a great customer. You could also be rewarded with a lower rate, higher credit limits, and a better credit score.

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Smart Credit Cards for Perfect credit are our specialty. Click now to start the application for a card that could be the answer to your needs.

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