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Top Credit Cards for Awesome Credit

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Top Credit Cards for Awesome Credit - Knowing The Choices

When individuals have Awesome Credit, how will they tell which Top Credit Cards to pick when there are so many choices? This article will discuss a couple types of cards to provide a useful understanding of the benefits of each:

Money Back - With a Money Back card, you may be offered a reimbursement equivalent to a percentage of their transactions. For example, if there is a Money Back option that gives 5% cashback on food, fuel, and pharmacy purchases, as the cash back rewards add up they can be redeemed. If you spend $150 in gasoline, supermarket items, and pharmacy purchases each week, by the completion of a year, almost $400 in cash back rewards would be available.

Rewards Points - In lieu of giving cash back, some companies offer redeemable rewards. Customers get points for making purchases. Every time the card is used, the rewards increase. After a certain amount of points add up they can be cashed in for great stuff, such as free travel, gift items, magazines, and more. Always check to see if the Top Credit Cards for Awesome Credit that you want will offer rewards.

Fuel Bonuses - Credit card issuers can be considerate of the cost of gasoline and will offer an incentive to people for using their cards by rewarding them with 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 free prepaid gasoline card. The funny thing is, with some cards gas rewards can even be earned when buying gas.

Reward Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Flyer Miles - When purchases are made with this kind of card, points that can be used as free frequent flyer miles or free travel vouchers are earned. Once enough points are accumulated, they can be redeemed for free travel accommodations. Frequent travelers really like these rewards.

0% Promotional 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 lasts anywhere from 6-12 months. Many customers use promotions such as this to move outstanding balances from their interest bearing Top Credit 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. Keeping monthly payments up to date is especially crucial. When a single payment is paid late, generally the interest free rates go up to an interest-bearing rate. Folks that are offered Top Credit Cards for Awesome Credit, and have the chance to get an interest free period ought to consider this type of card.

Secured Cards to Establish Credit - Customers that have one of these would deposit a cash amount into an account that can earn interest while it is there. This is what secures the account. After the deposit is made a card is sent with a spending limit in the opening balance of the interest bearing account that was created. Each time a transaction is approved the amount of that transaction is deducted from your available credit balance, low rate monthly payments are calculated, and a monthly invoice is is mailed. Just like any other credit card, when you use it an affordable repayment plan will be created. Secured Cards to Establish Credit are perfect because they function like standard credit cards allowing customers to complete all kinds of transactions including booking travel accommodations like rental cars that usually do not accept standard bank account cards. When applicants have bad credit approval is generally guaranteed despite your credit profile. This is good because most credit-rebuilding card issuers report the way you pay your bill to be added to your credit profile. This can be a great way to establish creditworthiness by paying regular payments no matter if you have Awesome credit or not. After paying six to twelve consecutive timely payments, many times the limit can be increased without asking for additional collateral.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, there is no guesswork. Just like a regular bank account, you put money in and that becomes the credit limit. As the prepaid credit card balance is used up, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. Reloadable prepaid credit cards work wonderfully for budgeting, they offer the same flexibility as a check card, and they help people that cannot get a conventional banking account. Fast approval is generally guaranteed regardless of your credit score and there is no need for the bank that issues the prepaid cards to deal with the three bureaus.

With all of the various sorts of Top Credit Cards for Awesome credit and bonuses that each of them offer, it is easy to identify the best solution for your situation. Consider Top Credit Cards that allow for the most rewards. 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. Awesome credit is an awesome asset.

To be certain that you keep cultivating a great credit score, take heed to these three rules:

1. Keep a balance at no more than half of the credit limit. In other words, it is not smart to "over spend". It is smart to keep a balance that is somewhere around forty to fifty percent of the max on any Top Credit Cards for Awesome Credit.

2. Do not make late payments. Even if the minimum is the most that your budget will allow, be sure to pay the bill on time. When payments are made more than 30 days late, it could be sent to the credit bureaus. This could bring down the consumer's credit profile. Additionally, customers may also have to pay more points on the card's interest rate as a result of just this one tardy payment. Hence it is advised that you pay the bill.

3. Pay all balances down to zero every couple months. When the balance gets to be about half of the limit, do your best to pay it all off at least one time per year. After completing this, go ahead and start using the card again and pay it off once again after over the course of a few billing cycles, and keep this cycle going. This pattern demonstrates to the issuers that you will be creditworthy. Most lenders reward customers like this with lower rates, a higher limit, and a better FICO score.

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Top Credit Cards for Awesome credit are available online. Click here to start the application for a card that fits your needs.

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