Smart Credit Cards for Super Prime
Credit - Knowing The Possibilities
When people have
Credit, how will they
know which Smart Credit Cards
to choose when there are so many choices?
The information below will discuss a few types
of cards to provide a helpful outline
of the pros of each:
Cash Back - With a Cash Back
card, customers are rewarded with a rebate equivalent to
a fraction of their transactions. For instance,
if somebody has a Cash Back
solution that offers five percent cash back
on supermarket, gas, and pharmacy
items, as the cash back rewards add up they can converted to cash. If you
pay $150 in fuel, groceries,
and drugstore items weekly, at
the conclusion of a year, almost $400
in cash back rewards would be ready to cash out.
Redeemable Points - In lieu
of rewarding customers with money back, some companies
give redeemable rewards. Customers receive
rewards for making purchases. Every time the card is used, the points
accumulate. After a certain amount of points add up they can be redeemed for perks like
free travel, gift items, magazines, and more.
It is wise to see if the Smart Credit Cards
for Super Prime Credit you apply for offers
a points program.
Gasoline Rewards - Credit card issuers
are often times understanding about the price
of gas and will reward
their customers for making card purchases by rewarding them with a prepaid
fuel card. As transactions are completed, points are accumulated and summarized. Once a certain number of points are earned they can be cashed in for a
free prepaid gasoline card. The cool thing is, with some cards fuel points can be earned
while you are gassing up your vehicle.
Points Redeemable for Free Hotel Stays, Rental Cars or Frequent Traveler Miles - When purchases are made with these cards, redeemable points that can be used for free travel arrangements including airline travel are accumulated. Once a specified number of points are earned, they can be applied toward all kinds of travel arrangements including free air travel. Frequent travelers really like these rewards.
Zero Percent Promotional Interest Rates - With these cards, finance charges are not accrued for a certain amount of time.
This time period typically lasts anywhere from 6-12 months.
Most times, folks are advised to utilize promotions such as this
to move outstanding balances from their interest bearing Smart Credit Cards
to one like this and pay the balances off within the promotional period. Paying the bill on or before the due date is imperative.
When the first payment becomes past due, most times
the introductory rates go up to an interest-bearing
rate. People that are offered
Smart Credit Cards for Super Prime
Credit, and have the opportunity to sign up for an interest free period
should choose this opportunity.
Secured Cards - People with a secured credit card
simply deposits a cash amount in an interest-bearing savings account.
This "is why the card is called "" secured"" ." After the deposit is made a credit card is
offered with a credit max that is the same as
the opening balance of the interest bearing account that was created. Each time a transaction is approved the credit limit decreases, low interest
regularly scheduled payments are computed, and a monthly invoice
is is mailed or emailed if you choose paperless billing. If the card is active low monthly payments will become due. Secured Cards
are terrific because they operate like
normal credit cards allowing you
to do things that debit cards may not, like making travel accommodations like hotels
that commonly do not take check
cards. For those with bad credit approval is usually
guaranteed regardless of your credit score. This is good because many
secured card issuers report whether or not timely payments are made
to Experian, Equifax, and Trans Union. This could be a terrific
way to prove you are creditworthy by making regular
payments whether you have Super Prime
credit or not. After paying
a certain number of payments in a row, most times the bank that gave you the card will allow you to make purchases over your current limit without
requiring another deposit to the initial secured account.
Reloadable Prepaid Credit Cards - With
a Reloadable Prepaid card, purchases can be made without interest, fees, or finance charges. Similar to
a checking account, you put money in and this becomes
the amount that can be spent. When the prepaid credit card
balance becomes depleted, you can recharge it with an additional deposit. Reloadable cards
are great for staying on a budget, transactions can be tracked and recorded if necessary, and they are a great solution for those that cannot
acquire a traditional checking account.
Fast approval is typically granted regardless of
your FICO score and there is
no need for the bank that issues the prepaid cards to contact Experian, Equifax, and TransUnion.
With all of the diverse types
of Smart Credit Cards
for Super Prime credit and
benefits that exist, there is something for everyone. Seek
Smart Credit Cards that give the benefits that fit your situation. Remember these things and always
stay within your credit limit and make your payments on time every month. Prime credit is a wonderful
To ensure that you keep developing a top notch FICO profile, obey these general instructions:
1. Keep your outstanding balance lower than the
card's max. In other words, don't
"go crazy". Most people with excellent credit make it a point to keep
a balance that is no more than sixty percent or less
of the max on any
Smart Credit Cards for Super Prime Credit.
2. Make payments on or before the due date. Even if a small payment can be made, the most important thing is that the payment is made when it is due. Once a payment is more than 30 days behind, it could be told to Experian, Equifax, and Trans Union. This is bad for the consumer's credit profile. Additionally, customers may also experience more points on the card's interest rate as a consequence of one delayed payment. Therefore it is wise to be mindful of the due dates.
3. Repay the balance completely every time you can.
If the card is used a lot, make it your goal to
pay the balance back down to zero as much as possible. When you do this, it is wise to
begin creating transaction activity (like buying gas, shopping online, or making purchases) then pay it off once again after over the course of a few billing cycles, and keep this pattern going
This cycle shows the issuers
that you are a great customer. Once this sequence is repeated a couple of times, you could qualify for
a lower rate, more of a limit, and a better credit profile.
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