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Smart Credit Cards for Poor Credit

 
 
 

Low Loan Rates | Low Credit Card Rates | Low Insurance Rates

Today could be the day you get the answer you were looking for.  Start the application process now and see if you will be approved.
 

Smart Credit Cards for Poor Credit

Search and find interest rates you can afford. Do you qualify? Get started now to apply for Smart Credit Cards with terrific benefits, such as:

  • 0% Introductory Rates
  • Cash Back Rewards
  • Rewards Programs
  • Bonuses
  • Consolidation Options

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

 
 
 

Look For Affordable Finance Rates


Apply for Smart Credit Cards for Poor Credit fast and easy.

Once your application is approved, make sure you keep a balance less than half of your credit limit and make your monthly payments when they are due. Following these tips will ensure all the open accounts you possess will stay in good standing. Apply here.

 


Look For Low Rate Cards

We connect customers with Low Rate Cards from premier credit card issuers. Click here to apply today. This network of credit card companies is known for being favorable to new customers.

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Smart Credit Cards for Poor Credit - Learning The Possibilities

When people have Poor Credit, how will they tell which Smart Credit Cards to choose when there are so many options? The information below will break down several varieties of cards to give you a helpful outline of the pros of each:

Cash Back - With a Cash Back card, customers are offered a refund equal to a fraction of their purchases. For example, if an applicant is approved for a Cash Back option that provides 5% cashback on supermarket, gas, and drugstore items, as the rewards accumulate they earn cash value. If you pay one hundred and fifty dollars in fuel, food, and drugstore items every 5-7 days, at the completion of a 12-month period, about four hundred dollars in cash back rewards would have accumulated.

Rewards Points - In lieu of rewarding customers with cash rewards, some companies present customers with redeemable rewards. Customers receive points every time the card is used. As purchases are made, the rewards increase. After a certain amount of points add up they can be cashed in for items including free travel, gifts, magazines, and more. Be sure to find out if the Smart Credit Cards for Poor Credit you are considering offers a redeemable rewards program.

Gasoline Bonuses - Companies are often times considerate of the price of fuel and will give incentives to people for using their credit card by giving them a prepaid fuel card. As transactions are completed, points are accumulated and summarized. Once enough points have been earned you are eligible for a free prepaid gas card. The funny thing is, with some cards fuel points can be earned when buying gas.

Points Toward Free Hotel Stays, Rental Cars or Frequent Traveler Miles - When this kind of card is utilized, free travel points are earned. Once a specified number of points are earned, they can be redeemed for free travel accommodations. These rewards work best for those who travel a lot.

0% Promotional Interest Rates - Customers that utilize these cards are not charged any interest or finance charges for a certain number of months. This time period typically varies from six months up to a year. Smart customers use this promotional period to move balances from their current Smart Credit Cards to one of these and pay it off while there are no finance charges being accrued. Keeping monthly payments up to date is incredibly important. When just one payment is paid late, typically zero percent APR rates go up to an interest-bearing rate. Customers that are offered Smart Credit Cards for Poor Credit, and are offered an introductory period free of finance charges should consider this option.

Secured Credit Cards - Customers with one of these simply inserts a certain amount of money into an account that generates interest that the secured card issuer will set up. This becomes the card's collateral Once the account is set up, a card is delivered with a credit limit that is the same as the amount that has been deposited in the account. Each time a transaction is approved the credit limit decreases, affordable recurrent payments are determined, and a bill is generated. If the card is being used an affordable repayment plan will be created. Secured Credit Cards are awesome because they operate the same as regular credit cards allowing people to do things that debit cards may not, like making travel accommodations including airline tickets that commonly do not accept prepaid or debit cards. One of the best things about the application process is that approval is usually guaranteed even if your credit is poor. It is important to note that many credit-rebuilding card issuers submit your repayment history to Experian, Equifax, and Trans Union. This can be a terrific practice to show creditworthiness by making timely payments whether you have Poor credit or not. After paying several consecutive timely payments, some secured card companies will approve a higher limit without requiring another deposit to the initial secured account.

Prepaid Credit Cards - With a Prepaid card, you get most of the benefits of a credit card without the debt. Similar to a regular bank account, a certain amount of money is deposited into an account and that becomes your spending limit. As the prepaid account balance has been completely used, it can be reloaded with more money and used again. Prepaid cards work well for staying on a budget, purchases can be tracked, and they work well for individuals that are unable to get a typical banking account. Fast approval is usually not a problem regardless of your credit profile and there is no need for the prepaid card issuer to send any inquiries to the three bureaus.

With all of the many kinds of Smart Credit Cards for Poor credit and rewards that they have, there is something for everyone. Consider Smart Credit Cards that give the benefits that fit your situation. Remember these things and always make wise purchases and timely payments. Awesome credit is fantastic asset.

To make sure that you keep building an excellent FICO profile, obey these three guidelines:

1. Always have your bill at no more than half of the card's max. Simply put, do not "over spend". Make sure to maintain an account that is no more than sixty percent or less of the available balance on any Smart Credit Cards for Poor Credit.

2. Make at least the minimum payment as scheduled. Even if you have to make just the minimum payment that is listed on your monthly statement, pay it. When payments are made more than 30 days late, it could be told to Experian, Equifax, and Trans Union. This has adverse affects on the consumer's FICO score. Additionally, you may also have to pay an increased interest rate as a consequence of something as small as a past due payment. Therefore it is advised that you pay on time.

3. Pay all balances down to zero every couple months. When purchases are made, do your best to take a few months and pay it off as many times a year as possible. Afterward, it is smart to start using the card again and pay it back down to zero again after a few months, and don't stop this habit. This cycle demonstrates to the lenders that you will be an excellent credit candidate. You could also be rewarded with low rates, a higher limit, and a higher FICO score.

Our network members have licenses in one or more of these locales: 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 Poor credit are easy to find. Click here to get approved for a card that fits your situation.

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