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Smart Credit Cards for Prime Credit

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  • 0% Introductory Rates
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Smart Credit Cards for Prime Credit - Understanding The Options

If people have Prime Credit, how can they tell which Smart Credit Cards to pick when there are so many possibilities? This article will break down a few varieties of cards to give you a useful outline of the pros of each:

Money Back - With a Money Back card, you may be offered a refund that equals a fraction of their transactions. For instance, if an applicant is approved for a Money Back option that provides five percent cash back on groceries, gasoline, and drugstore purchases, as purchases increase and rewards accumulate, they can be redeemed. If you spend a hundred fifty dollars in petro, groceries, and drug store items every week, at the conclusion of a year, about four hundred dollars in cash would have accumulated.

Rewards Points - Instead of offering cash rewards, some companies give redeemable rewards. Customers receive points when purchases are made. With each swipe of the card, the rewards accumulate. When you earn enough points they can be cashed in for items including free merchandise, gift cards, magazines, etc. It is wise to see if the Smart Credit Cards for Prime Credit that you want will offer points.

Petro Rewards - Companies are often times understanding about the cost of gasoline and want to give incentives to their customers for making card purchases by offering them a prepaid fuel card. As the card is used, points are accumulated. Once you have completed enough transactions to accumulate a certain amount of points they can be turned in for a free prepaid gas station card. The funny thing is, with some cards gas rewards can even be earned when buying gas.

Reward Points Toward Free Rental Car Upgrades, Hotel Rooms, or Frequent Air Travel Miles - When purchases are made with these cards, points that can be used as free frequent flyer miles or free travel vouchers are earned. Once enough points are accumulated, 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% Promotional Interest Rates - In the beginning when these credit cards are utilized, there are no finance charges that are applied. The promotional period generally varies from six months up to a year. Generally, people are advised to utilize promotions such as this to transfer balances from their interest bearing Smart Credit Cards to one of these, then pay it off while there are no finance charges being accrued. Paying the bill on or before the due date is especially crucial. When a payment is not paid on time, typically the interest free introductory rates go up to a different rate. Folks that are applying for Smart Credit Cards for Prime Credit, and have the opportunity to sign up for an introductory period free of finance charges ought to think about this type of card.

Secured Cards - People that have this type of card would insert a specified amount of cash into a savings account. This "is what makes it a "" secured card"" ." After the deposit is made a card is offered with a credit max equal to the amount that has been deposited in the account. Every time you use it the amount of that transaction is deducted from your available credit balance, affordable regularly scheduled payments are computed, and a monthly invoice is is mailed. If transactions are being approved, an affordable repayment plan will be created. Secured Cards are perfect because they perform like regular credit cards allowing people to complete all kinds of transactions including booking travel accommodations including vehicle rentals that typically do not accept prepaid or debit cards. Another great feature is that approval is generally guaranteed regardless of your credit score. This is good because many secured card companies submit whether or not the bill is paid on time to be added to your credit profile. This could be a great method to prove you are creditworthy by showing timely payments whether you have Prime credit or not. Once you have paid six to twelve consecutive timely payments, most issuers will increase your credit limit without requiring an additional deposit.

Pre-paid Credit Cards - With a Pre-paid card, there is no question about the credit limit. Similar to a conventional account, a deposit is made into an account and this becomes the amount that can be used for purchases. As the prepaid credit card balance reaches zero, you can recharge it with an additional deposit. Reloadable cards are fantastic for budgeting, they allow people to make online purchases, and they are a great solution for those that cannot obtain a standard checking account. Fast approval is typically guaranteed regardless of your bureau profile and there is no need for the issuer to send any inquiries to Experian, Equifax, and TransUnion.

With all of the many varieties of Smart Credit Cards for Prime credit and rewards that exist, there is something for everyone. Seek Smart Credit Cards that allow for the most rewards. No matter which card you choose, always try to keep your purchases at less than half of your credit limit and make more than the minimum payment every month. Awesome credit is a great thing to have.

To be certain that you keep growing a superb credit profile, take heed to these few instructions:

1. Keep your bill lower than the credit max. Another way of saying it is, do not "go wild". The banks encourage their cardholders to carry a balance that is generally forty to fifty percent of the available balance on any Smart Credit Cards for Prime Credit.

2. Make at least the minimum payment as scheduled. Even if you cannot make more than the minimum payment due, make the payment in a timely fashion. Once a payment is more than 30 days behind, that information could be posted to the credit reporting companies. This has adverse affects on your credit profile. Not to mention you may also be assessed more points on the card's interest rate as a consequence of a single tardy payment. Therefore it is smart to make this bill payment a financial priority.

3. Repay all balances down to zero every quarter. If the card is used a lot, try to take a few months and pay it off as many times a year as possible. Subsequently, go ahead and make more purchases and after a couple of billing cycles, pay the whole thing off just like you did before, and keep this cycle going. This sequence shows the issuers that you are a great customer. Some of the other benefits of this approach are low interest rates, a higher credit max, and a better FICO score.

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