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Top Cards for Good Credit

 
 
 

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Top Cards for Good Credit

Search now to find low rates. Let's see if you qualify. Get started now to find Top Cards with excellent benefits, like:

  • 0% Introductory Rates
  • Cash Back Rewards
  • Airline Rewards
  • Redeemable Points
  • No Fee Balance Transfers

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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If your new card application is approved, make sure to keep a balance less than your credit limit and make your payments on time every month. Following this advice will help you make sure any revolving accounts you have will remain active. Get started now.

 


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Top Cards for Good Credit - Learning The Options

If individuals have Good Credit, how can they distinguish which Top Cards to pick when there are so many possibilities? The information below will discuss a couple types of cards to give you a better understanding of the advantages of each:

Cashback - With a Cashback card, customers are rewarded with a refund equivalent to a percentage of their transactions. For instance, if somebody is approved for a Cashback solution that offers five percent cashback on groceries, gas, and drugstore purchases, as the cash back rewards add up they earn cash value. If you spend a hundred fifty dollars in gas, food, and drugstore purchases every 5-7 days, by the close of a year, about four hundred dollars in cash back rewards would be ready to cash out.

Redeemable Points - In lieu of providing money back, some issuers give redeemable rewards. Customers receive rewards for just about every transaction. With each swipe of the card, the rewards increase. When you earn enough points they can be redeemed for items including free merchandise, gift items, subscriptions, and so on. It is important to know whether or not the Top Cards for Good Credit you are considering offers points.

Gasoline Rewards - Lenders are often times sensitive to the price of gasoline and want to compensate their customers for using their credit card by giving them a prepaid gasoline card. As purchases are made, points are earned. Once a certain number of points are earned you can get a free prepaid gasoline card. The funny thing is, with some cards redeemable fuel rewards can be accumulated when buying gas.

Reward Points Toward Free Hotel Stays, Rental Cars or Frequent Air Travel Miles - When purchases are made with this kind of card, customers can earn frequent traveler's points that can be redeemed for free travel. After an accumulation of a certain number of points, they can be cashed in for discounted or free airline tickets or travel accommodations. Frequent travelers really like these rewards.

Zero Percent APR Promotions - With these cards, finance charges are not accrued for a certain amount of time. This time period usually varies from six to twelve months. Generally, customers use this kind of card to move their balance from their current Top Cards to one like this and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Making timely payments is key. When just one payment is not received on time, most times the interest free introductory rates are changed to an interest-bearing rate. Individuals that are eligible for Top Cards for Good Credit, and are offered a 0% introductory rate should choose this option.

Secured Cards for Building Credit - Customers with a secured credit card would deposit a few hundred to a few thousand dollars, depending on what they could afford, into an account that can earn interest while it is there. This "is why the card is called "" secured"" ." At that point a credit card is offered with a spending limit that is the same as the amount that has been deposited in the account. Every time you use it the credit limit decreases, affordable regularly scheduled payments are calculated, and payment plan is generated. Just like any other credit card, when you use it a relatively small monthly payment is expected. Secured Cards for Building Credit are great because they operate like normal credit cards allowing people to complete all kinds of transactions including booking travel accommodations including rental cars that generally do not accept check cards. Another great feature is that approval is generally guaranteed no matter what. However, keep in mind that most secured card issuers submit whether or not timely payments are made to Experian, Equifax, and Trans Union. This is a good practice to prove you are creditworthy by making timely payments whether you have Good credit or not. After making six to twelve consecutive timely payments, 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.

Pre-paid Credit Cards - With a Pre-paid card, you get most of the benefits of a credit card without the debt. Just like a checking account, a deposit is made into an account and this is the credit limit. When the prepaid card balance has been exhausted, it can be reloaded with more money and used again. Reloadable cards are good for financial planning, transactions can be tracked and recorded if necessary, and they are a great solution for those that cannot get a regular checking account. Fast approval is typically guaranteed regardless of your FICO report and there is no need for the prepaid company to send any inquiries to the three bureaus.

With all of the different types of Top Cards for Good credit and benefits that are offered, there is something for everyone. Look for Top Cards that give the benefits that fit your situation. No matter which card you choose, always stay within your credit limit and make your payments on time every month. Top notch credit is a terrific asset.

To be certain that you keep cultivating the perfect credit profile, take heed to these few rules:

1. Always have your outstanding balance at a percentage of the card's max. Another way of saying it is, do not "max out". Always maintain a bill that is about forty to fifty percent of the limit on any Top Cards for Good Credit.

2. Keep the credit card bill paid on time. Even if you cannot make more than the minimum payment due, make the payment in a timely fashion. If you miss a payment, that information must be sent to Experian, Equifax, and Trans Union. This could bring down your credit report. Additionally, you may also have to pay a higher interest rate as a result of just this one delayed payment. Hence it is smart to pay on time.

3. Pay the balance in total every couple months. When purchases are made, try to pay the balance back down to zero as much as possible. Then once your balance is paid off it is smart to make more purchases then pay it back down to zero again after a few months, and make this your repayment pattern. This pattern indicates to the issuers that you are creditworthy. Most lenders reward customers like this with low interest rates, a higher credit max, and a better FICO score.

Our network partners have licenses in one or more of these locales: 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 Good credit are our specialty. Act now to start the application for a solution that fits your needs.

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