Top Cards for Super Prime
Credit - Learning The Options
If individuals have
Credit, how will they
know which Top Cards
to select when there are so many possibilities?
The information below will discuss a couple varieties
of cards to give you a helpful outline
of the advantages of each:
Cash Back - With a Cash Back
card, customers are offered a reimbursement equal to
a fraction of their purchases. For instance,
if there is a Cash Back
offer that offers five percent cashback
on food, gasoline, and pharmacy
items, as the rebates add up they earn cash value. If you
spend one hundred and fifty dollars in petro, groceries,
and drug store items every week, by
the end of a year, $390
in cash back rewards would be available.
Rewards Points - Instead
of providing cash rebates, some lenders
offer redeemable rewards. Customers get
points when purchases are made. As purchases are made, the rewards
increase. After a certain amount of points add up they can be cashed in for items including
free rental cars, gift items, subscriptions, and so on.
It is important to know whether or not the Top Cards
for Super Prime Credit you apply for offers
a redeemable rewards program.
Fuel Bonuses - Lenders
can be sensitive to the cost
of gas and will reward
their customers for using their cards by offering them a free
gas card. As the credit card is utilized, reward points add up. After you have earned enough points they can be turned in for a
free prepaid gas card. The cool thing is, with some cards redeemable fuel rewards can be accumulated
while buying gas.
Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Air Travel Miles - When purchases are made with this kind of card, free travel points are earned. As the points add up, they can be applied toward all kinds of travel arrangements including free air travel. Business travelers find these kinds of programs to be very beneficial.
0% APR Promotions - Finance charges are not applied on these cards for a specified amount of time.
The period where no finance charges are being applied usually spans 6-12 months.
Generally, folks take advantage of this kind of card
to transfer balances from their current Top Cards
to one of these, then create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Paying the bill on or before the due date is very important.
When a payment is overdue, most
0% APR rates go up to a much higher
rate. Individuals that are approved for
Top Cards for Super Prime
Credit, and have the chance to get an interest free period
should think about this type of card.
Secured Cards to Re-establish Credit - People with a secured credit card
must insert money into a secure account that accumulates interest.
This "is what makes it a "" secured card"" ." After the deposit is made a credit card is
issued with a credit max in
the amount that has been deposited in the account. Each time you swipe your card the credit limit decreases, low rate
regularly scheduled payments are determined, and a bill
is is mailed. If the card is being used you will receive a payment plan. Secured Cards to Re-establish Credit
are perfect because they perform the same as
conventional credit cards allowing you
to complete all kinds of transactions including booking travel accommodations like vehicle rentals
that sometimes do not take debit
cards. One of the best things about the application process is that approval is generally
guaranteed whether you have good credit or not. It is important to note that most
secured card issuers submit whether or not you are keeping up with your payments
to the credit bureaus. This is a wonderful
technique to show creditworthiness by showing regular
payments whether you have Super Prime
credit or not. After paying
several consecutive timely payments, most issuers will increase your credit limit without
requiring more cash to be put into the account that was used to set up the card.
Prepaid Credit Cards - With
a Prepaid card, there is no guesswork. Similar to
a conventional account, a certain amount of money is deposited into an account and this becomes
the amount that can be spent. When the prepaid account
balance becomes depleted, simply put more cash into the prepaid account and your card will be ready for use once again. Prepaid cards
are excellent for staying on a budget, they offer the same flexibility as a check card, and they are a great solution for those that cannot
obtain a conventional depository account.
Fast approval is typically guaranteed regardless of
your FICO report and there is
no need for the prepaid card issuer to contact Experian, Equifax, and TransUnion.
With all of the diverse varieties
of Top Cards
for Super Prime credit and
benefits that each of them offer, there is something for everyone. Seek
Top Cards that give the benefits that fit your situation. 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. Good credit is a wonderful
To make certain that you keep growing an excellent FICO profile, take heed to these general guidelines:
1. Maintain a balance at no more than half of the
card's max. Simply put, it is not smart to
"over spend". Most people with excellent credit make it a point to carry
an account that is no more than half
of the max on any
Top Cards for Super Prime Credit.
2. It is important to pay the bill when it is due. Even if a small payment can be made, be sure to pay the bill on time. When payments are made more than 30 days late, that information could be forwarded to the credit bureaus. This is bad for the consumer's credit score. As a result, you may also be assessed more points on the card's interest rate as a result of a solitary tardy payment. Therefore it is wise to be mindful of the due dates.
3. Repay all balances down to zero every few months.
When you make purchases, make it your goal to
pay the balance back down to zero at least once a year. Afterward, it is wise to
start using the card again and take a few months to pay the balance off again, and don't stop this habit.
This repayment history indicates to the issuing companies
that you can be a great customer. Once this sequence is repeated a couple of times, you could qualify for
low interest rates, a higher limit, and a better credit score.
Our affiliate partners proudly serve
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
for Super Prime credit
are our specialty. Act now
to apply for a card that fits