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Smart Credit Cards for Super Prime Credit

 
 
 

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Smart Credit Cards for Super Prime Credit

Search now to find interest rates you can afford. Do you qualify? Click here to find Smart Credit Cards that have terrific benefits, like:

  • Low Interest Rates
  • Cash Back Rewards
  • Travel Rewards
  • Bonuses
  • Balance Consolidation

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Smart Credit Cards for Super Prime Credit - Understanding The Choices

When individuals have Super Prime Credit, how can they know which Smart Credit Cards to choose when there are so many choices? This article discusses a few kinds of cards to provide a useful outline of the pros of each:

Money Back - With a Money Back card, customers are offered a repayment equal to a percentage of their transactions. For example, if there is a Money Back solution that offers 5% cash back on food, fuel, and drugstore purchases, as purchases increase and rewards accumulate, they can be cashed in. If you use one hundred and fifty dollars in petro, food, and drug store items every week, by the end of a year, $390 in cash back rewards would be ready to cash out.

Redeemable Points - In lieu of giving cash rewards, some issuers present customers with points programs. Customers earn rewards for just about every transaction. Every time the card is used, the points accumulate. When you earn enough points they can be redeemed for things like free travel, gift cards, subscriptions, and more. It is important to know whether or not the Smart Credit Cards for Super Prime Credit you apply for offers a redeemable rewards program.

Petro Bonuses - Credit card issuers can be understanding about the cost of gas and want to compensate consumers for making card purchases by offering them a free fuel card. As purchases are made, points are earned. Once a certain number of points are earned they can be cashed in for a free prepaid gas card. Sometimes, gas points are actually accumulated even when buying gas.

Reward Points Toward Free Rental Car Upgrades, Hotel Rooms, or Frequent Traveler Miles - When purchases are made with these cards, customers can earn frequent traveler's points that can be redeemed for free travel. Once enough points are accumulated, they can be redeemed for free travel accommodations. Frequent travelers really like these rewards.

0% Promotional Interest Rates - What does this mean? Simply put: for a limited time, finance charges are not incurred. This time period usually lasts anywhere from six to twelve months. Typically, customers are advised to utilize this interest-free period 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. Making monthly payments on time is very important. When the first payment is late, most times zero percent APR rates go up to a higher rate. People that are approved for Smart Credit Cards for Super Prime Credit, and have the chance to get a 0% introductory rate should choose this type of card.

Secured Cards to Build Creditworthiness - Individuals with one of these must deposit a few hundred to a few thousand dollars, depending on what they could afford, in an account that generates interest that the secured card issuer will set up. This becomes the card's collateral After the deposit is made a card is issued with a line of credit that is the same as the amount that has been deposited in the account. As the card is used the credit limit decreases, low rate regularly scheduled payments are determined, and a monthly invoice is is mailed. If the card is active an affordable monthly invoice will be sent. Secured Cards to Build Creditworthiness are great because they function like standard credit cards allowing customers to complete all kinds of transactions including booking travel accommodations including airline tickets that generally do not accept check cards. Another great feature is that approval is typically guaranteed whether you have good credit or not. This is good because most credit-rebuilding card issuers report whether or not you are keeping up with your payments to Experian, Equifax, and Trans Union. This can be a terrific method to establish creditworthiness by showing regular payments whether you have Super Prime credit or not. Once you make a certain number of payments on or before their due date, most issuers will increase your credit limit without requiring additional collateral.

Pre-paid Credit Cards - With a Pre-paid card, there is no guesswork. Just like a typical bank account, a deposit is made into an account and this is your spending limit. As the prepaid credit card balance has been exhausted, it can be reloaded with more money and used again. Prepaid credit cards work well as gifts, transactions can be tracked and recorded if necessary, and they are a great solution for those that cannot get a standard checking account. Quick approval is typically guaranteed regardless of your bureau score and there is no need for the prepaid card issuer to deal with Experian, Equifax, and TransUnion.

With all of the different sorts of Smart Credit Cards for Super Prime credit and bonuses that are available, there is a solution available for most credit card seekers. Seek Smart Credit Cards that offer rewards that match your lifestyle and spending style. Once you are approved always make wise purchases and timely payments. Awesome credit is an awesome thing to have.

To make sure that you keep building a great FICO profile, follow these few rules:

1. Maintain a balance lower than the credit max. In other words, do not "go crazy". It is important to retain a balance that is generally forty to fifty percent of the maximum spending limit on any Smart Credit Cards for Super Prime Credit.

2. Make the monthly payments by the due date. Even if a minimum payment is all you can afford to make, pay it. When payments are made more than 30 days late, it could be told to the credit reporting companies. This has adverse affects on your FICO report. And let's not forget the fact that customers may also have to pay a rising interest rate as a result of a late payment. Thus it is wise to pay on time.

3. Repay the whole thing off every few billing cycles. When purchases are made, do your best to take a few months and pay it off at least one time per year. After completing this, go ahead and begin creating transaction activity (like buying gas, shopping online, or making purchases) then after a couple of billing cycles, pay the whole thing off just like you did before, and make this your repayment pattern. This process indicates to the issuing companies that you are a great customer. Once this sequence is repeated a couple of times, you could qualify for a lower rate, a higher credit max, and a better credit score.

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Smart Credit Cards for Super Prime credit are our specialty. Act now to apply for a card that suits your situation.

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