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Top Credit Cards for Rebuilding Credit

 
 
 

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Top Credit Cards for Rebuilding Credit

We help you find interest rates you can afford. Do you qualify? Act now and get Top Credit Cards that offer excellent benefits, like:

  • 0% APR Introductory Rates
  • Cash Back Programs
  • Rewards Programs
  • Gifts for Usage
  • Consolidation Options

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Top Credit Cards for Rebuilding Credit - Knowing The Possibilities

If folks have Rebuilding Credit, how do they distinguish which Top Credit Cards to choose when there are so many possibilities? This article discusses a few kinds of cards to offer a helpful understanding of the benefits of each:

Money Back - With a Money Back card, customers are rewarded with a reimbursement equal to a percentage of their purchases. For example, if an applicant is approved for a Money Back solution that awards 5% cash back on groceries, gasoline, and drugstore purchases, as the rewards accumulate they can converted to cash. If you use $150 in gas, groceries, and drug store items every week, at the close of a 12-month period, about four hundred dollars in cash would be ready to cash out.

Redeemable Points - Instead of rewarding customers with cash rewards, some companies present customers with points programs. Customers get rewards when purchases are made. Every time the card is used, the rewards add up. After a certain amount of points add up they can be redeemed for items including free travel, gifts, subscriptions, etc. It is important to know whether or not the Top Credit Cards for Rebuilding Credit that you want will offer a redeemable rewards program.

Gas Rewards - Card Issuers can be considerate of the price of gas and want to offer an incentive to consumers for making card purchases by offering them a free fuel card. As the card is used, points are accumulated. Once you have completed enough transactions to accumulate a certain amount of points they can be redeemed for a prepaid fuel card. The cool thing is, with some cards fuel points can be earned while making fuel purchases.

Points Redeemable for Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When purchases are made with these cards, customers can earn frequent traveler's points that can be redeemed for free travel. Once a specified number of points are earned, they can be applied toward all kinds of travel arrangements including free air travel. Business travelers find these kinds of programs to be very beneficial.

Zero Percent APR Promotions - Finance charges are not applied on these cards for a specified amount of time. The period where no finance charges are being applied typically spans six to twelve months. Generally, people are advised to utilize promotions such as this to shift outstanding balances from their high interest Top Credit Cards to one like this and pay the balances off within the promotional period. Keeping monthly payments up to date is key. When the first payment is received late, most the interest free rates are changed to an interest-bearing rate. Folks that are offered Top Credit Cards for Rebuilding Credit, and are offered a zero percent promotion should think about this type of card.

Secured Cards for Building Credit - Customers with this type of card must put a certain amount of money in an account specified by the secured card issuer. This account serves as the security for the issuer. At that point a card is extended to the applicant with a credit limit that is the same as the opening balance of the interest bearing account that was created. Each time you swipe your card the amount of that transaction is deducted from your available credit balance, low rate regularly scheduled payments are determined, and payment plan is is mailed or emailed if you choose paperless billing. If the card is active an affordable monthly invoice will be sent. Secured Cards for Building Credit are excellent because they perform like ordinary credit cards allowing customers to do things that debit cards may not, like making travel accommodations such as hotels that typically do not accept debit cards. One of the best things about the application process is that approval is usually guaranteed regardless of your credit score. But do not forget that most credit-rebuilding card issuers submit your payment schedule and how you keep up with your payments to Experian, Equifax, and Trans Union. This can be a great method to prove you are creditworthy by making regular payments no matter if you have Rebuilding credit or not. Once you make six to twelve payments on or before their due date, many times the limit can be increased without asking for 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. Just like a regular bank account, a certain amount of money is deposited into an account and that is the amount that can be spent. As the prepaid card balance has been completely used, you can recharge it with an additional deposit. Prepaid cards work well for students, they allow people to make online purchases, and they help people that cannot obtain a traditional banking account. Quick approval is usually not a problem regardless of your credit report and there is no need for the bank that issues the prepaid cards to deal with the credit bureaus.

With all of the various types of Top Credit Cards for Rebuilding credit and rewards that are available, there is a solution available for most credit card seekers. Look for Top Credit Cards that offer rewards that match your lifestyle and spending style. The most important thing is to always spend wisely and pay the bill on or before the due date. Perfect credit is a terrific asset.

To make sure that you keep growing the best credit score, obey these simple tips:

1. Maintain your outstanding balance at a percentage of the card's max. Another way of saying it is, do not "max out". It is important to carry an account that is no more than forty to fifty percent of the max on any Top Credit Cards for Rebuilding Credit.

2. Make the monthly payments by the due date. Even if the minimum is the most that your budget will allow, pay it before the due date. If the bill is paid 30 days after the due date, that information could be posted to the credit reporting companies. This could bring down the consumer's credit score. Additionally, when this happens you may also experience a higher interest rate as a consequence of a late payment. Therefore it is smart to stay on top of the bill.

3. Repay the balance completely every so often. When purchases are made, make it your goal to pay the balance back down to zero at least once a year. After the bill has been paid down to zero it is wise to begin creating transaction activity (like buying gas, shopping online, or making purchases) then take a few months to pay the balance off again, and keep this cycle going. This sequence confirms to the lenders that you can be an excellent credit candidate. You could also be rewarded with a lower interest rate, a higher limit, and a better credit profile.

Our network partners provide services in one or more of the following states: Alabama * Alaska * Arizona * Arkansas * California * Colorado * Connecticut * Delaware * District of Columbia * Florida * Georgia * Hawaii * Idaho * Illinois * Indiana * Iowa * Kansas * Kentucky * Louisiana * Maine * Maryland * Massachusetts * Michigan * Minnesota * Mississippi * Missouri * Montana * Nebraska * Nevada * New Hampshire * New Jersey * New Mexico * New York * North Carolina * North Dakota * Ohio * Oklahoma * Oregon * Pennsylvania * Rhode Island * South Carolina * South Dakota * Tennessee * Texas * Utah * Vermont * Virginia * Washington * West Virginia * Wisconsin * Wyoming

Top Credit Cards for Rebuilding credit are waiting for your application. Click here to get approved for a solution that suits your situation.

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