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Smart Credit Cards for Prime Credit

 
 
 

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Smart Credit Cards for Prime Credit

We help you find low rates. Let's see if you qualify. Click here to find Smart Credit Cards that offer excellent benefits, like:

  • Low Rates
  • Cash Back Programs
  • Hotel Rewards
  • Gifts for Usage
  • No Fee Balance Transfers

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If your new card application is approved, it is important to keep your balance at a minimum and pay your bill on or before the due date. This will help to ensure that any accounts you possess will always be available for use at any time. Apply now.

 


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Smart Credit Cards for Prime Credit - Understanding The Choices

When people have Prime Credit, how do they tell which Smart Credit Cards to choose when there are so many opportunities? This article will expand on several types of cards to give you a helpful understanding of the pros of each:

Cashback - With a Cashback card, customers are offered a rebate equal to a fraction of their purchases. For instance, if somebody has a Cashback option that offers 5% cashback on groceries, fuel, and drugstore items, as purchases increase and rewards accumulate, they can be cashed in. If you spend a hundred fifty dollars in gasoline, food, and pharmacy purchases every 5-7 days, at the completion of a 12-month period, $390 in cash would be ready to cash out.

Rewards Points - Instead of rewarding customers with money back, some lenders present customers with redeemable rewards. Customers get points every time the card is used. As purchases are made, the points accumulate. After a certain amount of points add up they can be redeemed for things like free travel, gifts, subscriptions, etc. It is wise to see if the Smart Credit Cards for Prime Credit you apply for offers a points program.

Gas Rewards - Credit card issuers are often times considerate of the cost of fuel and will offer an incentive to people for making card purchases by rewarding them with a free gasoline card. As the credit card is utilized, reward points add up. After you have earned enough points you can get a prepaid gasoline card. The cool thing is, with some cards gas points are actually accumulated even when buying fuel.

Rewards for Free Rental Car Upgrades, Hotel Rooms, or Frequent Air Traveler Miles - When purchases are made with this kind of card, free travel points are earned. Once enough points are accumulated, they can be redeemed for free travel accommodations. This kind of card is great for business travelers.

Zero Percent APR Promotions - What does this mean? Simply put: for a limited time, finance charges are not incurred. The period where no finance charges are being applied usually varies from 6-12 months. Typically, customers use this interest-free period to transfer balances from their high interest Smart Credit Cards to one of these and pay it off while there are no finance charges being accrued. Paying the bill on or before the due date is crucial. When just one payment is overdue, most times the introductory rates are changed to a different rate. Individuals that are offered Smart Credit Cards for Prime Credit, and are offered an introductory period free of finance charges should consider this option.

Secured Cards - People with a secured card simply deposits a specified amount of cash in an interest-bearing savings account. This account serves as the security for the issuer. After the deposit is made a card is sent with a credit max in the amount that has been deposited in the account. When purchases are made your available credit is recalculated, low rate regularly scheduled payments are calculated, and a bill 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 are excellent because they operate like ordinary credit cards allowing you to complete all kinds of transactions including booking travel accommodations such as hotels, rental cars, airline tickets, or cruises that commonly do not accept standard bank account cards. For those with bad credit approval is ordinarily guaranteed no matter what. However, keep in mind that most secured card issuers report whether or not the bill is paid on time to the credit bureaus. This could be a wonderful way to show creditworthiness by showing scheduled payments whether you have Prime credit or not. After making six to twelve payments in a row, typically the lender will offer additional spending power without asking for another deposit to the initial secured account.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, there is no question about the credit limit. Similar to a checking account, you put money in and that becomes the credit limit. When the prepaid credit card balance reaches zero, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. Reloadable prepaid credit cards are fantastic as gifts, purchases can be tracked, and they are a great solution for those that cannot acquire a typical checking account. Fast approval is generally granted regardless of your FICO score and there is no need for the issuer to send any inquiries to the three bureaus.

With all of the various sorts of Smart Credit Cards for Prime credit and incentives that exist, there is something for everyone. Seek Smart Credit Cards that offer rewards that match your lifestyle and spending style. Stay smart and be sure to spend wisely and pay the bill on or before the due date. Good credit is an awesome asset.

To make certain that you keep developing the perfect credit profile, take heed to these easy guidelines:

1. Always have a balance at no more than half of the card's limit. Another way of saying it is, it is not smart to "max out". It is important to carry a bill that is no more than sixty percent or less of the available balance on any Smart Credit Cards for Prime Credit.

2. Do not default on payments. Even if the minimum is the most that your budget will allow, that will be just fine. If the bill is paid 30 days after the due date, that information may be forwarded to the credit reporting agencies. This is not good for your FICO score. Unfortunately, you may also have a higher interest rate as a result of a single past due payment. Thus it is advised that you stay on top of the bill.

3. Repay the balance in total every so often. When the balance gets to be about half of the limit, try to take a few months and pay it off as often as you can. When you do this, it is wise to make more purchases and pay it back down to zero again after a few months, and don't stop this habit. This sequence confirms to the issuing companies that you are an excellent credit candidate. You could also be rewarded with a lower interest rate, a higher limit, and a higher FICO score.

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Smart Credit Cards for Prime credit are waiting for your application. Click now to apply for a card that suits your situation.

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