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Top Credit Cards for Perfect Credit

 
 
 

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Top Credit Cards for Perfect Credit

We help you find low rates. Let's see if you qualify. Act now and search for Top Credit Cards with nice benefits, such as:

  • Low Rates
  • Cashback Rewards
  • Rewards Programs
  • Redeemable Points
  • Consolidation Options

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Top Credit Cards for Perfect Credit - Understanding The Choices

When people have Perfect Credit, how will they tell which Top Credit Cards to select when there are so many options? This article will break down several varieties of cards to offer a useful understanding of the benefits of each:

Money Back - With a Money Back card, customers get a repayment that equals a percentage of their purchases. For instance, if there is a Money Back offer that gives five percent cashback on food, fuel, and pharmacy items, as the rewards accumulate they can be cashed in. If you pay $150 in fuel, food, and drugstore purchases every 5-7 days, at the completion of a year, about four hundred dollars in cash back rewards would be available.

Rewards Points - Instead of offering money back, some issuers give redeemable rewards. Customers get points when purchases are made. With each swipe of the card, the points increase. Once a specified number of points have accumulated they can be cashed in for things like free rental cars, gift cards, magazines, and more. It is smart to be aware of whether or not the Top Credit Cards for Perfect Credit you apply for offers points.

Petro Bonuses - Companies can be understanding about the cost of gasoline and want to offer an incentive to their customers for using their cards by offering them a prepaid gasoline card. As the card is used, points are accumulated. Once enough points have been earned they can be redeemed for a free prepaid gasoline card. Sometimes, gas points are actually accumulated even while buying gas.

Points Toward Free Rental Car Upgrades, Hotel Rooms, or Frequent Flyer Miles - When purchases are made with these cards, redeemable points that can be used for free travel arrangements including airline travel are accumulated. Once a specified number of points are earned, they can be redeemed for free travel accommodations. These rewards work best for those who travel a lot.

Zero Percent Promotions - With these cards, finance charges are not accrued for a certain amount of time. This time period typically spans 6-12 months. Most times, folks use promotions such as this to shift their balance from their interest bearing Top Credit Cards to one like this and pay the balances off within the promotional period. Keeping monthly payments up to date is very important. When a single payment becomes past due, most times zero percent APR rates go up to another rate. Customers that are approved for Top Credit Cards for Perfect Credit, and are offered a 0% introductory rate should consider this great opportunity.

Secured Cards for Building Credit - Customers that have one of these simply inserts a specified amount of cash into a secure account that accumulates interest. This "is what makes it a "" secured card"" ." Once the account is set up, a credit card is offered with a credit max equal to the amount of the deposit. Each time you swipe your card your available credit is recalculated, low rate recurrent payments are determined, and payment plan is generated. Just like any other credit card, when you use it you will receive a payment plan. Secured Cards for Building Credit are good because they perform like normal credit cards allowing people to do things that debit cards may not, like making travel accommodations such as hotels that commonly do not accept check cards. For those with bad credit approval is generally guaranteed no matter what. This can help in the rebuilding process because most secured card issuers submit whether or not you are keeping up with your payments to Experian, Equifax, and Trans Union. This is a great technique to establish creditworthiness by paying regular payments no matter if you have Perfect credit or not. Once you make several payments on or before their due date, typically the lender will offer additional spending power without requiring additional collateral.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, there is no question about the credit limit. Similar to a checking account, a deposit is made into an account and that is the amount that can be used for purchases. When the prepaid card balance reaches zero, a deposit into the prepaid account can be made and the new credit limit will be the amount of the new deposit. Prepaid cards are good as gifts, transactions can be tracked and recorded if necessary, and they help people that cannot acquire a standard checking account. Fast approval is normally not a problem regardless of your bureau score and there is no need for the bank that issues the prepaid cards to deal with Experian, Equifax, and TransUnion.

With all of the various types of Top Credit Cards for Perfect credit and bonuses that are offered, it is easy to identify the best solution for your situation. Look for Top Credit Cards that offer rewards that match your lifestyle and spending style. Make an educated choice and always make wise purchases and timely payments. Superb credit is an awesome asset.

To ensure that you keep cultivating a superb FICO profile, take heed to these simple tips:

1. Maintain your outstanding balance lower than the card's max. Another way of saying it is, don't "max out". Always carry a bill that is no more than sixty percent or less of the available balance on any Top Credit Cards for Perfect Credit.

2. Pay the bill on time. Even if the minimum is the most that your budget will allow, pay it before the due date. If you miss a payment, that information could be reported to the credit reporting companies. This is not good for the consumer's FICO profile. As a result, you may also have to pay a higher interest rate as a consequence of just one late payment. Thus it is recommended that consumers be mindful of the due dates.

3. Pay the whole thing off every time you can. When you make purchases, try to bring the balance to zero as many times a year as possible. Then once your balance is paid off you can feel free to make more purchases then after a couple of billing cycles, pay the whole thing off just like you did before, and don't stop this habit. This cycle illustrates to the lenders that you are a great customer. Some other perks you could get when you repay in this way are a lower rate, more of a limit, and a better credit profile.

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Top Credit Cards for Perfect credit are simple to apply for. Click here to apply for a solution that could be the answer to your needs.

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