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Top Credit Cards for Excellent Credit

 
 
 

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Top Credit Cards for Excellent Credit

Search and find low interest rates. Are you qualified? Click here to search for Top Credit Cards that have great options such as:

  • Low Rates
  • Cashback Rewards
  • Airline Rewards
  • Bonuses
  • Balance Consolidation

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Top Credit Cards for Excellent Credit - Understanding The Opportunities

If folks have Excellent Credit, how will they know which Top Credit Cards to choose when there are so many choices? This article discusses a couple varieties of cards to give you a useful outline of the pros of each:

Cash Back - With a Cash Back card, you may be offered a rebate equal to a fraction of their purchases. For example, if somebody is approved for a Cash Back solution that offers 5% cash back on food, fuel, and pharmacy purchases, as the rewards accumulate they can be cashed in. If you spend $150 in fuel, groceries, and pharmacy items weekly, at the completion of a year, almost $400 in rebates would have accumulated.

Redeemable Points - In lieu of rewarding customers with money back, some issuers offer redeemable rewards. Customers receive points when purchases are made. With each swipe of the card, the rewards increase. Once a specified number of points have accumulated they can be cashed in for great stuff, such as free travel, gift items, subscriptions, and more. It is wise to see if the Top Credit Cards for Excellent Credit that you want will offer a redeemable rewards program.

Fuel Bonuses - Companies can be sensitive to the price of fuel and will compensate their customers for using their credit card by offering them a free gasoline card. As the credit card is utilized, reward points add up. Once enough points have been earned you are eligible for a free prepaid gas station card. The funny thing is, with some cards redeemable fuel rewards can be accumulated while buying fuel.

Rewards for Free Rental Car Upgrades, Hotel Rooms, or Frequent Air Traveler Miles - When purchases are made with this kind of card, free travel points are earned. As the points add up, they can be redeemed for free travel accommodations. Business travelers find these kinds of programs to be very beneficial.

0% APR Promotions - Customers that utilize these cards are not charged any interest or finance charges for a certain number of months. The promotional period typically lasts anywhere from six months up to a year. Typically, customers take advantage of this time to move balances from their interest bearing Top Credit Cards to one like this and pay the balances off within the promotional period. Paying the bill on or before the due date is especially crucial. When the first payment is late, generally 0% APR rates go up to a higher rate. Customers that are applying for Top Credit Cards for Excellent Credit, and have the chance to get an interest free period should choose this option.

Secured Cards for Building Credit - People that have a secured card would deposit money in an account specified by the secured card issuer. This "is what makes it a "" secured card"" ." Then, a credit card is issued with a line of credit that is the same as the opening balance of the interest bearing account that was created. When purchases are made your available credit is recalculated, affordable monthly payments are computed, and a bill is is mailed or emailed if you choose paperless billing. Just like any other credit card, when you use it low monthly payments will become due. Secured Cards for Building Credit are great because they operate the same as ordinary credit cards allowing customers the freedom to book travel accommodations like rental cars that sometimes do not accept consumer checking account cards. One of the best things about the application process is that approval is ordinarily guaranteed despite your credit profile. This is good because many credit-rebuilding card companies submit the way you pay your bill to be added to your credit profile. This could be an excellent technique to prove you are creditworthy by making scheduled payments whether you have Excellent credit or not. Once you have paid six to twelve payments in a row, most times the bank that gave you the card will allow you to make purchases over your current limit without asking for an additional deposit.

Pre-paid Credit Cards - With a Pre-paid card, you get most of the benefits of a credit card without the debt. Similar to a conventional account, a certain amount of money is deposited into an account and this becomes the amount that can be used for purchases. After the prepaid credit card balance becomes depleted, simply put more cash into the prepaid account and your card will be ready for use once again. These cards are terrific for students, purchases can be tracked, and they help people that cannot obtain a regular checking account. Approval is typically not a problem regardless of your credit score and there is no need for the issuer to deal with the credit bureaus.

With all of the diverse types of Top Credit Cards for Excellent credit and rewards that they have, there is a solution available for most credit card seekers. Consider Top Credit Cards that offer rewards that match your lifestyle and spending style. The most important thing is to be sure to spend wisely and pay the bill on or before the due date. Super credit is fantastic thing to have.

To make certain that you keep growing the best FICO report, follow these easy guidelines:

1. Always have your outstanding balance at a percentage of the card's limit. Another way of saying it is, it is not smart to "over spend". Make sure to maintain a balance that is somewhere around fifty percent of the maximum spending limit on any Top Credit Cards for Excellent Credit.

2. Pay your credit card bill on time every month. Even if a minimum payment is all you can afford to make, make the payment in a timely fashion. When payments are made more than 30 days late, that information could be sent to the credit bureaus. This could bring down the consumer's credit profile. As a result, when this happens you may also experience an increased interest rate as a result of a tardy payment. Thus it is recommended that consumers pay on time.

3. Pay the entire bill every quarter. When the balance gets to be about half of the limit, try to bring the balance to zero as much as possible. Then once your balance is paid off it is smart to begin creating transaction activity (like buying gas, shopping online, or making purchases) then pay it off once again after over the course of a few billing cycles, and don't stop this habit. This approach indicates to the issuing companies that you are an excellent credit candidate. Once this sequence is repeated a couple of times, you could qualify for a lower rate, a higher credit max, and a higher FICO score.

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Top Credit Cards for Excellent credit are our specialty. Click now to get approved for a card that suits your needs.

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