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Top Cards for Excellent Credit

 
 
 

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Top Cards for Excellent Credit

We search for low interest rates. Are you qualified? Act now and search for Top Cards with terrific benefits, such as:

  • 0% Introductory Rates
  • Cash Back Programs
  • Hotel Rewards
  • Redeemable Points
  • Balance Consolidation

Serving one or more of the following states: 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

 
 
 

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Once you receive approval for a new card, all you have to do is maintain a low balance and make your monthly payments when they are due. This will help to ensure that any remaining balance you have will remain open. Begin here.

 


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Top Cards for Excellent Credit - Knowing The Options

When people have Excellent Credit, how will they tell which Top Cards to select when there are so many opportunities? The information below will discuss several kinds of cards to offer a helpful understanding of the pros of each:

Cashback - With a Cashback card, customers are offered a rebate equivalent to a percentage of their purchases. For instance, if an applicant is approved for a Cashback option that awards five percent cashback on supermarket, gas, and pharmacy purchases, as the rebates add up they earn cash value. If you pay $150 in petro, groceries, and drugstore purchases each week, at the completion of a year, almost $400 in rebates would be available.

Rewards Points - In lieu of providing cash back, some lenders offer points programs. Customers get points for making purchases. As purchases are made, the points accumulate. Once a specified number of points have accumulated they can be redeemed for great stuff, such as free merchandise, gift items, magazines, and more. It is wise to see if the Top Cards for Excellent Credit you are considering offers rewards.

Petro Bonuses - Card Issuers are often times understanding about the cost of gas and want to compensate people for using their cards by offering them a free fuel card. As the card is used, points are accumulated. Once enough points have been earned they can be redeemed for a prepaid gas card. The cool thing is, with some cards fuel points can be earned while making fuel purchases.

Reward Points Toward Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When these cards are used, free travel points are earned. Once enough points are accumulated, they can be applied toward all kinds of travel arrangements including free air travel. This kind of card is great for business travelers.

Zero Percent Introductory Rates - Customers that utilize these cards are not charged any interest or finance charges for a certain number of months. The period where no finance charges are being applied usually varies from half a year to a whole year. Generally, folks are advised to utilize this interest-free period to shift balances from their current Top Cards to one of these and pay it off while there are no finance charges being accrued. Keeping monthly payments up to date is crucial. When the first payment is paid late, typically the interest free introductory rates adjust to a higher rate. People that are approved for Top Cards for Excellent Credit, and have the chance to get an interest free period should choose this great opportunity.

Secured Cards for Building Credit - People with a secured card must deposit money into a bank account that can generate interest. This account serves as the security for the issuer. After the deposit is made a credit card is extended to the applicant with a credit limit that is the same as the amount that has been deposited in the account. Every time you use it your available credit is recalculated, affordable regularly scheduled payments are determined, and payment plan is is mailed or emailed if you choose paperless billing. If the card is active you will receive a payment plan. Secured Cards for Building Credit are great because they operate the same as ordinary credit cards allowing people to complete all kinds of transactions including booking travel arrangements such as hotels that typically do not accept consumer checking account cards. However, just like prepaid cards approval is ordinarily guaranteed regardless of your credit score. But do not forget that many credit-rebuilding card issuers report whether or not you are keeping up with your payments to be added to your credit profile. This is a fantastic way to show creditworthiness by paying scheduled payments no matter if you have Excellent credit or not. After paying several consecutive timely payments, many times the limit can be increased without asking for an additional deposit.

Pre-paid Credit Cards - With a Pre-paid card, there is no question about the credit limit. Similar to a regular bank account, you put money in and that is your spending limit. As the prepaid account balance has been completely used, it can be reloaded with more money and used again. Reloadable cards are excellent for parents to use to give an allowance to their teen or college student, they make it so you don't have to carry cash all the time, and they are a great solution for those that cannot obtain a typical checking account. Fast approval is typically granted regardless of your FICO profile and there is no need for the bank that issues the prepaid cards to contact Experian, Equifax, and TransUnion.

With all of the diverse sorts of Top Cards for Excellent credit and benefits that are offered, it is easy to identify the best solution for your situation. Consider Top Cards that allow for the most rewards. The most important thing is to always spend wisely and pay the bill on or before the due date. Good credit is fantastic thing to have.

To be certain that you keep growing a super FICO report, obey these general directions:

1. Maintain your bill at a percentage of the credit limit. Another way of saying it is, do not "go wild". It is smart to maintain a balance that is generally fifty percent of the max on any Top Cards for Excellent Credit.

2. It is important to pay the bill when it is due. Even if you have to make just the minimum payment that is listed on your monthly statement, the most important thing is that the payment is made when it is due. When payments are made more than 30 days late, that information could be reported to Experian, Equifax, and Trans Union. This could bring down your credit profile. Not to mention customers may also experience a rising interest rate as a result of one tardy payment. Hence it is wise to make this bill payment a financial priority.

3. Pay the balance completely every quarter. When you make purchases, try to take a few months and pay it off at least once a year. Once you do this go ahead and make more purchases then pay it back down to zero again after a few months, and don't stop this habit. This approach confirms to the issuing companies that you can be a great customer. Some of the other benefits of this approach are a lower rate, more of a limit, and a more favorable credit report.

Our affiliates proudly serve one or more of these states: 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 Excellent credit are waiting for your application. Click here to start the application for a card that suits your situation.

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