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Top Credit Cards for Awesome Credit

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Top Credit Cards for Awesome Credit - Learning The Choices

When folks have Awesome Credit, how do they tell which Top Credit Cards to pick when there are so many choices? This article discusses a few types of cards to give you a helpful outline of the pros of each:

Money Back - With a Money Back card, customers get a reimbursement that equals a percentage of their transactions. For instance, if a customer has been approved for a Money Back offer that offers 5% cash back on groceries, gas, and drugstore purchases, as the rebates add up they can converted to cash. If you use $150 in gas, supermarket items, and drugstore items weekly, at the completion of a year, about four hundred dollars in cash would have accumulated.

Rewards Points - In lieu of rewarding customers with cash back, some issuers present customers with redeemable rewards. Customers receive points for just about every transaction. As purchases are made, the rewards increase. After a certain amount of points add up they can be cashed in for great stuff, such as free rental cars, gifts, magazines, etc. It is important to know whether or not the Top Credit Cards for Awesome Credit that you want will offer points.

Gasoline Bonuses - Companies can be considerate of the cost of gasoline and want to compensate people for making card purchases by giving them a free gasoline card. As the credit card is utilized, reward points add up. Once a certain number of points are earned they can be cashed in for a prepaid gasoline card. The cool thing is, with some cards fuel points can be earned when making fuel purchases.

Points Toward Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When this kind of card is utilized, redeemable points that can be cashed in for free travel miles are earned. Once a certain number of points have been accumulated, they can be redeemed for free travel accommodations. This kind of card is great for business travelers.

Zero Percent Introductory Interest Rates - With these cards, finance charges are not accrued for a certain amount of time. This time period usually spans six months up to a year. Many customers are advised to utilize this interest-free period to shift outstanding balances from their high interest Top Credit Cards to one of these and pay the balances off within the promotional period. Making timely payments is very important. When a single payment is not received on time, most the interest free introductory rates adjust to a higher rate. People that are approved for Top Credit Cards for Awesome Credit, and are offered a 0% introductory rate ought to choose this type of card.

Secured Cards to Establish Credit - Individuals with a secured credit card would put a certain amount of money into a savings account. This is what secures the account. At that point a credit card is issued with a credit limit equal to the amount of the deposit. When purchases are made the credit limit decreases, affordable recurrent payments are determined, and a monthly invoice is sent. If the card is being used you will receive a payment plan. Secured Cards to Establish Credit are perfect because they function the same as conventional credit cards allowing customers the freedom to book travel accommodations such as rental cars that generally do not accept debit cards. When applicants have bad credit approval is typically guaranteed no matter what. It is important to note that most credit-rebuilding card companies report whether or not the bill is paid on time to be added to your credit profile. This is an excellent practice to establish creditworthiness by showing timely payments no matter if you have Awesome credit or not. After paying several payments in a row, some secured card companies will approve a higher limit without asking for more cash to be put into the account that was used to set up the card.

Prepaid Credit Cards - With a Prepaid card, you get out of it exactly what you put in. Similar to a checking account, a deposit is made into an account and that is the credit limit. After the prepaid credit card balance becomes depleted, you can recharge it with an additional deposit. Prepaid credit cards are good for financial planning, transactions can be tracked and recorded if necessary, and they are a great solution for those that cannot get a typical checking account. Quick approval is generally granted despite your credit profile and there is no need for the bank that issues the prepaid cards to send any inquiries to the credit bureaus.

With all of the various varieties of Top Credit Cards for Awesome credit and benefits that each of them offer, it is easy to identify the best solution for your situation. Seek Top Credit Cards that make sense for your situation that will allow you to control your spending habits. When you receive your card 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 fantastic asset.

To make sure that you keep building the best FICO profile, obey these general rules:

1. Keep your outstanding balance at no more than half of the credit max. In other words, don't "max out". The banks encourage their cardholders to maintain a bill that is somewhere around sixty percent or less of the maximum spending limit on any Top Credit Cards for Awesome Credit.

2. Keep the credit card bill paid on time. Even if a small payment can be made, that's ok. Once a payment is more than 30 days behind, it could be posted to the credit bureaus. This could bring down your credit report. As a result, you may also experience a higher interest rate as a consequence of one tardy payment. Therefore it is wise to stay on top of the bill.

3. Repay the balance completely every time your finances will allow. When purchases are made, make it your goal to pay the balance back down to zero as often as you can. When you do this, it is wise to make more purchases then 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 process illustrates to the issuers that you are a great customer. You could also be rewarded with low rates, a higher credit max, and a higher FICO score.

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Top Credit Cards for Awesome credit are just a few clicks away. Act now to get approved for a solution that suits your needs.

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