Top Cards for Super Prime
Credit - Knowing The Choices
When people have
Credit, how will they
know which Top Cards
to pick when there are so many options?
The information below will discuss several kinds
of cards to give you a better understanding
of the pros of each:
Money Back - With a Money Back
card, customers get a rebate equivalent to
a percentage of their transactions. For example,
if there is a Money Back
offer that gives five percent cash back
on groceries, gasoline, and pharmacy
items, as the rewards accumulate they can converted to cash. If you
pay $150 in gasoline, groceries,
and pharmacy purchases each week, at
the conclusion of a year, $390
in rebates would be available.
Rewards Points - Instead
of giving cash rebates, some issuers
offer points programs. Customers get
points for just about every transaction. Every time the card is used, the rewards
add up. When you earn enough points they can be cashed in for great stuff, such as
free rental cars, gift items, subscriptions, etc.
Be sure to find out if the Top Cards
for Super Prime Credit you are considering offers
Gasoline Rewards - Card Issuers
can be sensitive to the price
of fuel and will compensate
people for their purchases by offering them a free
gasoline card. As the credit card is utilized, reward points add up. After you have earned enough points they can be turned in for a
prepaid gas station card. The cool thing is, with some cards fuel points can be earned
while buying fuel.
Rewards for Free Hotel Accommodations, Car Rentals, or Frequent Traveler Miles - When this kind of card is utilized, "customers receive "" points"" toward free travel including free frequent flyer miles." Once enough points are accumulated, they can be cashed in for discounted or free airline tickets or travel accommodations. These programs are great for frequent travelers.
0% Introductory Interest Rates - With these cards, finance charges are not accrued for a certain amount of time.
The promotional period generally lasts anywhere from 6-12 months.
Smart people take advantage of this promotional period
to transfer outstanding balances from their high interest Top Cards
to one of these and pay the balances off within the promotional period. Making monthly payments on time is extremely important.
When a payment is not paid on time, most times
the interest free rates adjust to a higher
rate. People that are offered
Top Cards for Super Prime
Credit, and have the chance to get a 0% introductory rate
ought to consider this great opportunity.
Secured Credit Cards - Customers with this type of card
would insert a few hundred to a few thousand dollars, depending on what they could afford, in an account that generates interest that the secured card issuer will set up.
This becomes the card's collateral Once the account is set up, a credit card is
offered with a spending limit in
the opening balance of the interest bearing account that was created. Each time you swipe your card the credit limit decreases, low rate
monthly payments are calculated, and payment plan
is is mailed. If purchases are made an affordable monthly invoice will be sent. Secured Credit Cards
are awesome because they perform like
regular credit cards allowing people
the freedom to book travel accommodations like hotels
that generally do not take prepaid or debit
cards. When applicants have bad credit approval is generally
guaranteed whether you have good credit or not. This is good because most
secured card issuers report whether or not you are keeping up with your payments
to Experian, Equifax, and Trans Union. This can be a great
technique to show creditworthiness by making regular
payments no matter if you have Super Prime
credit or not. After paying
a certain number of payments in a row, many times the limit can be increased without
requiring an additional deposit.
Reloadable Prepaid Credit Cards - With
a Reloadable Prepaid card, there is no guesswork. Similar to
a regular bank account, a certain amount of money is deposited into an account and that is
your spending limit. When the prepaid card
balance runs out, you can recharge it with an additional deposit. Reloadable cards
are fantastic for staying on a budget, purchases can be tracked, and they work well for individuals that are unable to
acquire a traditional banking account.
Quick approval is usually not a problem regardless of
your bureau score and there is
no need for the prepaid card issuer to deal with the three bureaus.
With all of the diverse sorts
of Top Cards
for Super Prime credit and
bonuses that exist, it is easy to identify the best solution for your situation. Consider
Top Cards that offer rewards that match your lifestyle and spending style. Once you are approved 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. Superb credit is fantastic
thing to have.
To make sure that you keep growing a top notch credit report, follow these general tips:
1. Always have your bill less than the
credit max. Another way of saying it is, don't
"go crazy". It is smart to keep
a bill that is generally 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 minimum payment is all you can afford to make, make the payment in a timely fashion. If the bill is paid 30 days after the due date, that information may be posted to Experian, Equifax, and Trans Union. This could bring down your FICO report. Not to mention customers may also be assessed an increased interest rate as a result of a delayed payment. Therefore it is recommended that consumers make this bill payment a financial priority.
3. Pay the whole thing off every so often.
If the card is used a lot, do your best to
take a few months and pay it off at least one time per year. After completing this, it is smart to
start swiping your card for purchases again then pay it back down to zero again after a few months, and don't stop this habit.
This pattern demonstrates to the issuers
that you will be creditworthy. Once this sequence is repeated a couple of times, you could qualify for
low rates, a higher credit max, and a more favorable credit report.
Our network members have licenses in
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
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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 simple to apply for. Act now
to apply for a card that fits