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Top Cards for Prime Credit

We help you find low interest rates. Are you qualified? Click here to search for Top Cards that have great options like:

  • 0% APR Introductory Rates
  • Cash Back Programs
  • Rewards Programs
  • Gifts for Usage
  • Consolidation Options

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Top Cards for Prime Credit - Understanding The Possibilities

If individuals have Prime Credit, how can they distinguish which Top Cards to select when there are so many options? This article will break down a couple kinds of cards to give you a better understanding of the benefits of each:

Money Back - With a Money Back card, customers are rewarded with a repayment equal to a percentage of their transactions. For example, if an applicant is approved for a Money Back option that gives five percent cash back on supermarket, gasoline, and pharmacy purchases, as purchases increase and rewards accumulate, they can be cashed in. If you spend $150 in petro, groceries, and pharmacy items weekly, by the close of a year, about four hundred dollars in rebates would be ready to cash out.

Rewards Points - In lieu of rewarding customers with cash rewards, some lenders offer redeemable rewards. Customers receive rewards when purchases are made. As purchases are made, the rewards accumulate. When you earn enough points they can be redeemed for perks like free rental cars, gift cards, magazines, and so on. Always check to see if the Top Cards for Prime Credit you apply for offers a redeemable rewards program.

Gasoline Rewards - Credit card issuers can be understanding about the price of gas and will offer an incentive to their customers for their purchases by offering them a prepaid gas card. As the credit card is utilized, reward points add up. Once a certain number of points are earned you are eligible for a prepaid fuel card. Sometimes, gas points are actually accumulated even while buying gas.

Points for Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When this kind of card is utilized, points that can be used as free frequent flyer miles or free travel vouchers are earned. Once a specified number of points are earned, they can be redeemed for free travel accommodations. These programs are great for frequent travelers.

0% APR Promotions - In the beginning when these credit cards are utilized, there are no finance charges that are applied. This time period generally spans six months up to a year. Smart customers are advised to utilize this interest-free period to transfer balances from their current Top Cards to one of these and pay the balances off within the promotional period. Making monthly payments on time is very important. When the first payment is paid late, generally the introductory rates adjust to a higher rate. Individuals that are eligible for Top Cards for Prime Credit, and have the chance to get a zero percent promotion should consider this money saving option.

Secured Cards - People with one of these simply deposits money into an account specified by the secured card issuer. This becomes the card's collateral Then, a credit card is offered with a credit max in the amount that has been deposited in the account. As the card is used the credit limit decreases, low rate recurrent payments are calculated, and a monthly invoice is sent. If purchases are made an affordable repayment plan will be created. Secured Cards are excellent because they function like conventional credit cards allowing you to complete all kinds of transactions including booking travel arrangements like airline tickets that commonly do not take standard bank account cards. Individuals with bad credit should apply because approval is usually guaranteed despite your credit profile. This can help in the rebuilding process because most secured card issuers submit your payment schedule and how you keep up with your payments to Experian, Equifax, and Trans Union. This could be a good technique to show creditworthiness by making timely payments no matter if you have Prime credit or not. Once you make six to twelve payments on or before their due date, many times the limit can be increased without asking for an additional deposit.

Prepaid Credit Cards - With a Prepaid card, you get out of it exactly what you put in. Just like a checking account, a deposit is made into an account and this is the amount that can be used for purchases. After the prepaid credit card balance reaches zero, simply put more cash into the prepaid account and your card will be ready for use once again. Reloadable prepaid cards work wonderfully for parents to use to give an allowance to their teen or college student, they offer the same flexibility as a check card, and they are a great solution for those that cannot get a normal bank account. Quick approval is typically not a problem regardless of your FICO score and there is no need for the issuer to send any inquiries to the three bureaus.

With all of the different varieties of Top Cards for Prime credit and rewards that each of them offer, there is something for everyone. Consider Top Cards that give the benefits that fit your situation. When you receive your card be sure to make wise purchases and timely payments. Prime credit is a terrific asset.

To be certain that you keep developing a super FICO profile, obey these three rules:

1. Always have a balance at no more than half of the card's max. Another way of saying it is, do not "go wild". Always carry an account that is about half of the available balance on any Top Cards for Prime Credit.

2. Make at least the minimum payment as scheduled. Even if a minimum payment is all you can afford to make, be sure to pay the bill on time. If the bill is paid 30 days after the due date, it could be sent to the credit reporting companies. This is bad for your credit profile. Unfortunately, customers may also be assessed a rising interest rate as a result of just one past due payment. Thus it is wise to pay on time.

3. Pay all balances down to zero every quarter. When you make purchases, do your best to pay the balance back down to zero as often as you can. Then once your balance is paid off go ahead and make more purchases and after a couple of billing cycles, pay the whole thing off just like you did before, and keep utilizing this approach as you complete your monthly budget and annual financial plan. This sequence indicates to the issuing companies that you are an excellent credit candidate. Most lenders reward customers like this with a lower rate, a higher credit max, and a better credit profile.

Our network members have licenses in one or more of these areas: 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 Prime credit are simple to apply for. Click now to start the application for a card that could be the answer to your needs.

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