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Top Credit Cards for Bad Credit

 
 
 

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Top Credit Cards for Bad Credit

Search and find low interest rates. Are you qualified? Click here to get Top Credit Cards with great benefits, such as:

  • 0% Introductory Rates
  • Cash Back Programs
  • Travel Rewards
  • Redeemable Points
  • Balance Consolidation

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Top Credit Cards for Bad Credit - Learning The Possibilities

When folks have Bad Credit, how do they know which Top Credit Cards to choose when there are so many options? This article will expand on a couple kinds of cards to offer a helpful understanding of the advantages of each:

Money Back - With a Money Back card, you may be offered a repayment equivalent to a percentage of their transactions. For example, if a customer has been approved for a Money Back offer that gives five percent cash back on groceries, gasoline, and pharmacy items, as the rewards accumulate they earn cash value. If you spend $150 in fuel, supermarket items, and drug store purchases weekly, at the end of a year, almost $400 in cash would be ready to cash out.

Redeemable Points - Instead of giving cash rewards, some companies give redeemable rewards. Customers receive rewards for making purchases. With each swipe of the card, the rewards increase. Once a specified number of points have accumulated they can be redeemed for great stuff, such as free merchandise, gift cards, subscriptions, etc. It is wise to see if the Top Credit Cards for Bad Credit that you want will offer a redeemable rewards program.

Gas Rewards - Lenders can be understanding about the price of fuel and will offer an incentive to their customers for their purchases by offering them a free gas card. As the card is used, points are accumulated. After a specified amount of points are accumulated they can be turned in for a free prepaid gas card. The funny thing is, with some cards fuel points can be earned while making fuel purchases.

Points for Free Hotel Stays, Rental Cars or Frequent Air Traveler Miles - When these cards are used, 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 cashed in for discounted or free airline tickets or travel accommodations. Frequent travelers really like these rewards.

0% APR Promotions - What does this mean? Simply put: for a limited time, finance charges are not incurred. The promotional period generally lasts anywhere from 6-12 months. Most times, people take advantage of this interest-free period to shift their balance from their interest bearing Top Credit Cards to one like this and pay it off while there are no finance charges being accrued. Keeping monthly payments up to date is especially crucial. When one payment is overdue, most the interest free rates adjust to a different rate. Folks that are offered Top Credit Cards for Bad Credit, and have the chance to get a 0% promotion ought to consider this card.

Secured Credit Cards - Individuals with a secured credit card simply puts money into an interest-bearing savings account. This "is what makes it a "" secured card"" ." Once the account is set up, a credit card is extended to the applicant with a line of credit equal to the amount that has been deposited in the account. Each time you swipe your card the amount of that transaction is deducted from your available credit balance, low rate monthly payments are determined, and a bill is given to you. If transactions are being approved, an affordable monthly invoice will be sent. Secured Credit Cards are awesome because they function the same as ordinary credit cards allowing people the freedom to book travel accommodations such as airline tickets that generally do not accept standard bank account cards. However, just like prepaid cards approval is typically guaranteed despite your credit profile. This is good because many secured card issuers report whether or not you are keeping up with your payments to be added to your credit profile. This is a good practice to prove you are creditworthy by paying timely payments no matter if you have Bad credit or not. Once you have paid six to twelve consecutive timely payments, many times the limit can be increased 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 question about the credit limit. Similar to a regular bank account, you put money in and this is the credit limit. When the prepaid account balance reaches zero, simply put more cash into the prepaid account and your card will be ready for use once again. Reloadable prepaid credit cards are excellent for budgeting, purchases can be tracked, and they work well for individuals that are unable to acquire a traditional depository account. Quick approval is normally not a problem despite your bureau profile and there is no need for the prepaid company to deal with the credit bureaus.

With all of the various types of Top Credit Cards for Bad credit and rewards that they have, there is something for everyone. Seek Top Credit Cards that give the benefits that fit your situation. No matter which card you choose, always spend within your budget and stay under the limit. Timely payments are important as well. Great credit is fantastic thing to have.

To guarantee that you keep growing a super FICO profile, obey these easy rules:

1. Maintain a balance at no more than half of the credit limit. Another way of saying it is, do not "over spend". It is important to retain a bill that is no more than half of the available balance on any Top Credit Cards for Bad Credit.

2. Do not default on payments. Even if a minimum payment is all you can afford to make, pay it before the due date. If the bill is paid 30 days after the due date, that information may be forwarded to Experian, Equifax, and Trans Union. This is not good for your FICO profile. And let's not forget the fact that when this happens you may also have to pay a rising interest rate as a consequence of just one tardy payment. Hence it is smart to make this bill payment a financial priority.

3. Pay the balance completely every so often. If the card is used a lot, do your best to pay the balance back down to zero at least once a year. When you do this, you can feel free to start swiping your card for purchases again and take a few months to pay the balance off again, and keep utilizing this approach as you complete your monthly budget and annual financial plan. This repayment history confirms to the issuing companies that you will be a great customer. Some other perks you could get when you repay in this way are lower rates, a higher limit, and a more favorable credit report.

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Top Credit Cards for Bad credit are waiting for your application. Act now to get approved for a solution that fits your situation.

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