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Top Credit Cards for Great Credit

 
 
 

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Top Credit Cards for Great Credit

We search for affordable interest rates, for which you may qualify. Click now to search for Top Credit Cards that have terrific benefits, such as:

  • Low Interest Rates
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Top Credit Cards for Great Credit - Understanding The Opportunities

If folks have Great Credit, how do they know which Top Credit Cards to choose when there are so many possibilities? This article will discuss several types of cards to give you a helpful understanding of the pros of each:

Cash Back - With a Cash Back card, customers are rewarded with a refund equivalent to a percentage of their transactions. For instance, if there is a Cash Back option that offers five percent cashback on supermarket, gasoline, and drugstore items, as the rewards accumulate they can converted to cash. If you pay a hundred fifty dollars in gasoline, groceries, and drugstore items every 5-7 days, at the conclusion of a year, $390 in rebates would have accumulated.

Redeemable Points - In lieu of giving cash back, some companies offer redeemable rewards. Customers earn rewards every time the card is used. With each swipe of the card, the rewards add up. Once a specified number of points have accumulated they can be cashed in for all kinds of goodies including free hotel stays, gift cards, subscriptions, and so on. Be sure to find out if the Top Credit Cards for Great Credit you apply for offers a redeemable rewards program.

Gas Bonuses - Card Issuers are often times sensitive to the cost of gas and want to compensate consumers for using their credit card by giving them a free gasoline card. As purchases are made, points are earned. After you have earned enough points you are eligible for a free prepaid fuel card. The funny thing is, with some cards gas points are actually accumulated even while making gas purchases.

Points for Free Hotel Accommodations, Car Rentals, or Frequent Flyer Miles - When this kind of card is utilized, customers can earn frequent traveler's points that can be redeemed for free travel. Once enough points are accumulated, they can be redeemed for free 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 varies from half a year to a whole year. Generally, folks use this kind of card to move their balance from their interest bearing Top Credit Cards to one of these, then create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Paying the bill on or before the due date is crucial. When just one payment is not received on time, most the interest free introductory rates adjust to a different rate. People that are approved for Top Credit Cards for Great Credit, and are offered a 0% promotion should choose this type of card.

Secured Cards for Building Credit - People that have a secured card must deposit a certain amount of money in an account specified by the secured card issuer. This account serves as the security for the issuer. Then, a credit card is issued with a line of credit that is the same as the amount of the deposit. As the card is used the credit limit decreases, low interest monthly payments are calculated, and payment plan is sent. If the card is being used low monthly payments will become due. Secured Cards for Building Credit are good because they function like standard credit cards allowing people to do things that debit cards may not, like making travel accommodations like rental cars that typically do not take check cards. One of the best things about the application process is that approval is generally guaranteed no matter what. However, keep in mind that many credit-rebuilding card issuers report whether or not the bill is paid on time to the credit bureaus. This could be a wonderful approach to establish creditworthiness by showing timely payments no matter if you have Great credit or not. Once you have paid several 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 out of it exactly what you put in. Similar to a checking account, a deposit is made into an account and that is your spending limit. After the prepaid card balance runs out, simply put more cash into the prepaid account and your card will be ready for use once again. Reloadable cards are terrific for parents to use to give an allowance to their teen or college student, they offer the same flexibility as a check card, and they are generally granted to those that may not qualify to acquire a normal bank account. Quick approval is usually guaranteed regardless of your FICO report and there is no need for the prepaid company to send any inquiries to Experian, Equifax, and TransUnion.

With all of the various sorts of Top Credit Cards for Great credit and rewards that exist, there is a solution available for most credit card seekers. Seek Top Credit Cards that offer rewards that match your lifestyle and spending style. Remember these things and always try to keep your purchases at less than half of your credit limit and make more than the minimum payment every month. Top notch credit is fantastic asset.

To ensure that you keep building a superb FICO score, obey these three guidelines:

1. Always have a balance at a percentage of the card's max. Another way of saying it is, don't "max out". Most people with excellent credit make it a point to retain an account that is somewhere around fifty percent of the limit on any Top Credit Cards for Great Credit.

2. Do not default on payments. Even if a small payment can be made, that's ok. When payments are made more than 30 days late, it may be posted to the credit bureaus. This has adverse affects on your credit profile. Unfortunately, customers may also have to pay more points on the card's interest rate as a result of just one past due payment. Hence it is recommended that consumers pay on time.

3. Pay the balance in total every couple months. If the card is used a lot, do your best to pay it all off as often as you can. Then once your balance is paid off you can feel free to make more purchases then take a few months to pay the balance off again, and keep this pattern going This pattern illustrates to the issuers that you are an excellent credit candidate. Some of the other benefits of this approach are a lower rate, a higher credit max, and a better credit score.

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Top Credit Cards for Great credit are our specialty. Click now to apply for a card that could be the answer to your needs.

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