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Top Cards for Building Credit

 
 
 

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Top Cards for Building Credit

We help you find interest rates you can afford. Do you qualify? Click here to search for Top Cards that offer excellent benefits, like:

  • Low Rates
  • Cashback Rewards
  • Hotel Rewards
  • Redeemable Points
  • No Fee Balance Transfers

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After your application has been approved, make sure to avoid maxing your card out and make your monthly payments when they are due. Following this advice will help you make sure all the open accounts you have will always be active. Begin now.

 


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Top Cards for Building Credit - Knowing The Choices

When folks have Building Credit, how do they know which Top Cards to choose when there are so many opportunities? The information below will discuss a few varieties of cards to offer a useful understanding of the pros of each:

Cash Back - With a Cash Back card, you may be offered a rebate equal to a percentage of their transactions. For instance, if an applicant is approved for a Cash Back solution that provides 5% cashback on food, gasoline, and pharmacy purchases, as the cash back rewards add up they can be redeemed. If you pay $150 in fuel, supermarket items, and drug store items each week, by the conclusion of a 12-month period, almost $400 in cash would have accumulated.

Redeemable Points - Instead of providing cash rebates, some companies give redeemable rewards. Customers earn rewards when purchases are made. With each swipe of the card, the rewards add up. Once a specified number of points have accumulated they can be cashed in for items including free rental cars, gifts, subscriptions, etc. Be sure to find out if the Top Cards for Building Credit that you want will offer points.

Fuel Rewards - Companies can be considerate of the price of gasoline and will give incentives to their customers for making card purchases by giving them a prepaid fuel card. As transactions are completed, points are accumulated and summarized. After you have earned enough points you can get a free prepaid gasoline card. The cool thing is, with some cards redeemable fuel rewards can be accumulated when making fuel purchases.

Rewards for Free Hotel Accommodations, Car Rentals, or Frequent Air Traveler Miles - When this kind of card is utilized, customers can earn frequent traveler's points that can be redeemed for free travel. After an accumulation of a certain number of points, they turn into vouchers that can be used for discounted or free travel arrangements like rental cars, hotels, or even airline tickets. Frequent travelers really like these rewards.

Zero Percent Introductory Interest Rates - With these cards, finance charges are not accrued for a certain amount of time. The promotional period usually spans half a year to a whole year. Many customers take advantage of this time to transfer balances from their current Top Cards to one like this and pay the balances off within the promotional period. Paying the bill on or before the due date is especially crucial. When the first payment is paid late, typically 0% APR rates adjust to an interest-bearing rate. Customers that are eligible for Top Cards for Building Credit, and have the chance to get an interest free period should choose this option.

Secured Cards to Build Creditworthiness - Individuals with a secured card would put a specified amount of cash into a secure account that accumulates interest. This "is what makes it a "" secured card"" ." After the deposit is made a credit card is extended to the applicant with a spending limit in the opening balance of the interest bearing account that was created. As the card is used your available credit is recalculated, low interest recurrent payments are calculated, and a bill is sent. If the card is being used low monthly payments will become due. Secured Cards to Build Creditworthiness are awesome because they perform the same as standard credit cards allowing you to do things that debit cards may not, like making travel arrangements including vehicle rentals that typically do not accept prepaid or debit cards. Another great feature is that approval is usually guaranteed whether you have good credit or not. This can help in the rebuilding process because many secured card companies report your payment schedule and how you keep up with your payments to be added to your credit profile. This is a good way to prove you are creditworthy by making timely payments no matter if you have Building credit or not. Once you have paid six to twelve payments on or before their due date, many times the limit can be increased without requiring another deposit to the initial secured account.

Pre-paid Credit Cards - With a Pre-paid card, you get out of it exactly what you put in. Just like a regular bank account, a deposit is made into an account and this becomes your spending limit. As the prepaid account balance has been completely used, simply put more cash into the prepaid account and your card will be ready for use once again. Prepaid credit cards work wonderfully for budgeting, they offer the kind of flexibility that debit cards have, and they are a great solution for those that cannot acquire a conventional bank account. Fast approval is normally not a problem despite your credit score and there is no need for the bank that issues the prepaid cards to send any inquiries to the credit bureaus.

With all of the different varieties of Top Cards for Building credit and bonuses that are offered, there is something for everyone. Consider Top Cards that offer rewards that match your lifestyle and spending style. The most important thing is to be sure to try to keep your purchases at less than half of your credit limit and make more than the minimum payment every month. Good credit is a wonderful thing to have.

To make sure that you keep growing a great credit report, follow these simple guidelines:

1. Keep a balance at no more than half of the card's max. Simply put, don't "go crazy". It is important to maintain a bill that is somewhere around half of the maximum spending limit on any Top Cards for Building Credit.

2. Pay your credit card bill on time every month. Even if a small payment can be made, that will be just fine. When payments are made more than 30 days late, that information must be forwarded to the credit bureaus. This negatively affects the consumer's FICO profile. Not to mention you may also be assessed a higher interest rate as a result of just one tardy payment. Thus it is recommended that consumers be mindful of the due dates.

3. Pay the balance in total every couple months. When you make purchases, try to pay it all off as many times a year as possible. After completing this, it is okay to start swiping your card for purchases again then pay it off once again after over the course of a few billing cycles, and don't stop this habit. This repayment history indicates to the issuing companies that you will be creditworthy. Once this sequence is repeated a couple of times, you could qualify for low rates, more of a limit, and a better credit score.

Our network members provide services in one or more of these regions: 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

Top Cards for Building credit are just a few clicks away. Click here to get approved for a card that fits your situation.

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