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Top Credit Cards for Perfect Credit

 
 
 

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Top Credit Cards for Perfect Credit

Search and find low rates. Let's see if you qualify. Act now and get Top Credit Cards that offer excellent benefits, like:

  • 0% Introductory Rates
  • Cash Back Rewards
  • Airline Rewards
  • Gifts for Usage
  • No Fee Balance Transfers

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After your application has been approved, be sure to keep your balance at a minimum and pay your bill on or before the due date. Follow this advice to make sure all the usable balances you possess will always be available for use at any time. Begin here.

 


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Top Credit Cards for Perfect Credit - Learning The Choices

If individuals have Perfect Credit, how can they distinguish which Top Credit Cards to select when there are so many options? The information below discusses several types of cards to give you a useful understanding of the advantages of each:

Cash Back - With a Cash Back card, customers are rewarded with a rebate that equals a percentage of their purchases. For example, if somebody has a Cash Back offer that offers five percent cashback on supermarket, gasoline, and pharmacy items, as the rebates add up they can be redeemed. If you use $150 in fuel, supermarket items, and drug store purchases every 5-7 days, by the end of a 12-month period, almost $400 in rebates would be ready to cash out.

Redeemable Points - Instead of rewarding customers with cash back, some lenders offer redeemable rewards. Customers receive points for making purchases. With each swipe of the card, the points add up. After a certain amount of points add up they can be redeemed for items including free travel, gift items, magazines, etc. It is smart to be aware of whether or not the Top Credit Cards for Perfect Credit you apply for offers points.

Gas Rewards - Credit card issuers are often times understanding about the price of gas and will reward their customers for using their credit card by giving them a prepaid fuel card. As purchases are made, points are earned. Once enough points have been earned you can get a prepaid gas card. The funny thing is, with some cards gas points are actually accumulated even while buying gas.

Points Redeemable for Free Rental Car Upgrades, Hotel Rooms, or Frequent Air Traveler Miles - When this kind of card is utilized, "customers receive "" points"" toward free travel including free frequent flyer miles." Once a certain number of points have been accumulated, they turn into vouchers that can be used for discounted or free travel arrangements like rental cars, hotels, or even airline tickets. These rewards work best for those who travel a lot.

Zero Percent Promotional Interest Rates - In the beginning when these credit cards are utilized, there are no finance charges that are applied. The period where no finance charges are being applied typically spans six to twelve months. Generally, customers take advantage of promotions such as this to move outstanding balances from their interest bearing Top Credit Cards to one of these and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Keeping monthly payments up to date is imperative. When one payment is paid late, most times the introductory rates are changed to an interest-bearing rate. People that are applying for Top Credit Cards for Perfect Credit, and have the opportunity to sign up for an introductory period free of finance charges ought to choose this type of card.

Secured Cards to Build Creditworthiness - Customers with a secured card would insert a certain amount of money into an account specified by the secured card issuer. This is what secures the account. Once the account is set up, a credit card is sent with a credit limit equal to the amount of the deposit. When purchases are made the amount of that transaction is deducted from your available credit balance, affordable regularly scheduled payments are determined, and a bill is given to you. Just like any other credit card, when you use it low monthly payments will become due. Secured Cards to Build Creditworthiness are great because they perform the same as regular credit cards allowing customers to complete all kinds of transactions including booking travel accommodations like vehicle rentals that sometimes do not take debit cards. One of the best things about the application process is that approval is typically guaranteed regardless of your credit score. It is important to note that many credit-rebuilding card issuers report whether or not you are keeping up with your payments to Experian, Equifax, and Trans Union. This can be a fantastic approach to establish creditworthiness by making timely payments no matter if you have Perfect credit or not. Once you have paid six to twelve consecutive timely payments, 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.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, purchases can be made without interest, fees, or finance charges. Similar to a regular bank account, you put money in and this is your spending limit. After the prepaid card balance has been exhausted, simply put more cash into the prepaid account and your card will be ready for use once again. Reloadable cards are excellent for budgeting, they offer the kind of flexibility that debit cards have, and they are a great solution for those that cannot get a traditional banking account. Quick approval is generally not a problem regardless of your FICO score and there is no need for the issuer to deal with the three bureaus.

With all of the different types of Top Credit Cards for Perfect credit and incentives that exist, 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. No matter which card you choose, be sure to make wise purchases and timely payments. Great credit is a great thing to have.

To guarantee that you keep growing a superb FICO score, take heed to these easy rules:

1. Keep a balance less than the credit limit. Simply put, don't "go crazy". It is important to maintain a bill that is generally sixty percent or less of the available balance on any Top Credit Cards for Perfect Credit.

2. Keep the credit card bill paid on time. Even if you cannot make more than the minimum payment due, that will be just fine. When payments are made more than 30 days late, it must be reported to the credit bureaus. This is bad for your FICO report. Not to mention when this happens you may also be assessed more points on the card's interest rate as a consequence of one late payment. Thus it is recommended that consumers make this bill payment a financial priority.

3. Repay all balances down to zero every few billing cycles. When the balance gets to be about half of the limit, do your best to bring the balance to zero as much as possible. Subsequently, it is okay to make more purchases and take a few months to pay the balance off again, and keep this pattern going This process demonstrates to the lenders that you will be a great customer. You could also be rewarded with low rates, a higher credit max, and a higher credit score.

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Top Credit Cards for Perfect credit are simple to apply for. Click now to get approved for a card that fits your situation.

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