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Top Cards for Subprime Credit

 
 
 

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Top Cards for Subprime Credit

We search for low interest rates. Are you qualified? Click here to get Top Cards that have great benefits, like:

  • Low Interest Rates
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  • Rewards Programs
  • Bonuses
  • Consolidation Options

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Top Cards for Subprime Credit - Knowing The Possibilities

When individuals have Subprime Credit, how will they tell which Top Cards to choose when there are so many options? This article will expand on a couple varieties of cards to provide a helpful outline of the advantages of each:

Money Back - With a Money Back card, customers get a rebate equal to a fraction of their transactions. For example, if somebody is approved for a Money Back offer that gives 5% cashback on food, gasoline, and pharmacy purchases, as the cash back rewards add up they can be redeemed. If you pay a hundred fifty dollars in gasoline, supermarket items, and drug store items every 5-7 days, by the end of a 12-month period, about four hundred dollars in rebates would be available.

Rewards Points - Instead of rewarding customers with money back, some issuers give redeemable rewards. Customers receive rewards for just about every transaction. As purchases are made, the points add up. After a certain amount of points add up they can be redeemed for things like free merchandise, gift cards, magazines, etc. It is important to know whether or not the Top Cards for Subprime Credit you are considering offers rewards.

Petro Rewards - Lenders are often times understanding about the price of gas and want to compensate their customers for their purchases by rewarding them with a free gas card. As transactions are completed, points are accumulated and summarized. After a specified amount of points are accumulated they can be turned in for a free prepaid gas station card. The funny thing is, with some cards redeemable fuel rewards can be accumulated while buying gas.

Rewards for Free Hotel Stays, Rental Cars or Frequent Traveler Miles - When these cards are used, redeemable points that can be cashed in for free travel miles are earned. As the points add up, they can be cashed in for discounted or free airline tickets or travel accommodations. These rewards work best for those who travel a lot.

0% Introductory Interest Rates - In the beginning when these credit cards are utilized, there are no finance charges that are applied. The period where no finance charges are being applied usually varies from half a year to a whole year. Many people use this interest-free period to shift outstanding balances from their high interest Top Cards to one of these 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 imperative. When the first payment is not received on time, most zero percent APR rates are changed to another rate. People that are eligible for Top Cards for Subprime Credit, and have the opportunity to sign up for a 0% introductory rate should consider this money saving option.

Secured Credit Cards - Customers with a secured card would deposit a certain amount of money in an interest-bearing savings account. This "is what makes it a "" secured card"" ." At that point a card is sent with a credit max that is the same as the opening balance of the interest bearing account that was created. Each time you swipe your card the amount of that transaction is deducted from your available credit balance, low rate regularly scheduled payments are computed, and a bill is is mailed or emailed if you choose paperless billing. Just like any other credit card, when you use it a relatively small monthly payment is expected. Secured Credit Cards are terrific because they operate the same as normal credit cards allowing people to complete all kinds of transactions including booking travel accommodations including hotels that sometimes do not accept debit cards. One of the best things about the application process is that approval is typically guaranteed regardless of your credit score. This can help in the rebuilding process because many secured card companies submit your repayment history to Experian, Equifax, and Trans Union. This is a good practice to show creditworthiness by paying timely payments whether you have Subprime credit or not. Once you make six to twelve consecutive timely payments, most issuers will increase your credit limit without requiring an additional deposit.

Pre-paid Credit Cards - With a Pre-paid card, purchases can be made without interest, fees, or finance charges. Similar to a regular bank account, a certain amount of money is deposited into an account and that is the amount that can be used for purchases. As the prepaid account balance has been exhausted, it can be reloaded with more money and used again. Prepaid cards are excellent for financial planning, 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 conventional depository account. Quick approval is typically guaranteed despite your bureau score and there is no need for the prepaid card issuer to contact Experian, Equifax, and TransUnion.

With all of the various varieties of Top Cards for Subprime credit and rewards that they have, there is something for everyone. Look for Top Cards that allow for the most rewards. No matter which card you choose, 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. Awesome credit is a terrific asset.

To make certain that you keep growing the best credit profile, obey these few rules:

1. Maintain your bill less than the credit limit. Another way of saying it is, do not "max out". Make sure to maintain a bill that is generally sixty percent or less of the max on any Top Cards for Subprime Credit.

2. It is important to pay the bill when it is due. Even if a small payment can be made, that will be just fine. When payments are made more than 30 days late, it may be reported to the credit bureaus. This has adverse affects on the consumer's credit profile. As a result, customers may also be assessed an increased interest rate as a consequence of a delayed payment. Thus it is recommended that consumers make this bill payment a financial priority.

3. Pay the balance completely every time your finances will allow. When purchases are made, try to take a few months and pay it off as often as you can. When you do this, it is wise to start using the card again then take a few months to pay the balance off again, and don't stop this habit. This sequence confirms to the lenders that you are creditworthy. Once this sequence is repeated a couple of times, you could qualify for a lower interest rate, a higher credit max, and a more favorable credit report.

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Top Cards for Subprime credit are available online. Act now to apply for a card that suits your situation.

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