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Top Credit Cards for Subprime Credit

 
 
 

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Top Credit Cards for Subprime Credit

We search for low rates. Let's see if you qualify. Click now to get Top Credit Cards that have terrific benefits, like:

  • 0% Introductory Rates
  • Cash Back Rewards
  • Rewards Programs
  • Redeemable Points
  • Consolidation Options

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Once your application is approved, it is important to keep a balance less than half of your credit limit and pay your bill on time each month. Following these tips will ensure all the usable balances you have will always be active. Get started now.

 


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Top Credit Cards for Subprime Credit - Understanding The Possibilities

When individuals have Subprime Credit, how will they tell which Top Credit Cards to select when there are so many possibilities? The information below will break down a few types of cards to provide a useful outline of the advantages of each:

Cashback - With a Cashback card, customers are offered a refund equivalent to a fraction of their transactions. For example, if somebody is approved for a Cashback option that gives 5% cashback on supermarket, fuel, and drugstore purchases, as the rewards accumulate they can be redeemed. If you use one hundred and fifty dollars in gasoline, food, and pharmacy items every 5-7 days, at the completion of a year, almost $400 in cash would be ready to cash out.

Rewards Points - In lieu of rewarding customers with cash back, some issuers present customers with redeemable rewards. Customers receive rewards every time the card is used. Every time the card is used, the points add up. After a certain amount of points add up they can be cashed in for things like free hotel stays, gifts, subscriptions, and so on. Always check to see if the Top Credit Cards for Subprime Credit you are considering offers rewards.

Petro Bonuses - Lenders are often times considerate of the cost of gas and want to reward consumers for using their credit card by giving them a prepaid fuel card. As transactions are completed, points are accumulated and summarized. After a specified amount of points are accumulated they can be turned in for a free prepaid gas station card. The cool thing is, with some cards gas points are actually accumulated even when buying fuel.

Points Toward Free Hotel Accommodations, Car Rentals, or Frequent Air Travel Miles - When purchases are made with this kind of card, "customers receive "" points"" toward free travel including free frequent flyer miles." After an accumulation of a certain number of points, they turn into vouchers that can be used for discounted or free travel arrangements like rental cars, hotels, or even airline tickets. Business travelers find these kinds of programs to be very beneficial.

0% APR Promotions - What does this mean? Simply put: for a limited time, finance charges are not incurred. The period where no finance charges are being applied generally varies from 6-12 months. Smart people use this interest-free period to move balances from their interest bearing Top Credit Cards to one of these, then pay it off while there are no finance charges being accrued. Making monthly payments on time is very important. When a payment is not paid on time, typically zero percent APR rates go up to a higher rate. Individuals that are applying for Top Credit Cards for Subprime Credit, and are offered a zero percent promotion ought to think about this type of card.

Secured Credit Cards - People that have this type of card must insert a cash amount in a secure account that accumulates interest. This account serves as the security for the issuer. Then, a card is sent with a credit max in the amount that has been deposited in the account. Each time you swipe your card the credit limit decreases, low rate monthly payments are calculated, and payment plan is is mailed. If the card is active low monthly payments will become due. Secured Credit Cards are perfect because they function the same as normal credit cards allowing customers to complete all kinds of transactions including booking travel accommodations including vehicle rentals that commonly do not take standard bank account cards. Another great feature is that approval is typically guaranteed despite your credit profile. This can help in the rebuilding process because most credit-rebuilding card companies submit whether or not you are keeping up with your payments to Experian, Equifax, and Trans Union. This is a remarkable way to establish creditworthiness by paying regular payments whether you have Subprime credit or not. After paying six to twelve payments on or before their due date, most times the bank that gave you the card will allow you to make purchases over your current limit without asking for another deposit to the initial secured account.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, there is no question about the credit limit. Similar to a checking account, a certain amount of money is deposited into an account and that is the amount that can be used for purchases. After the prepaid credit card balance runs out, you can recharge it with an additional deposit. Reloadable prepaid cards work well for parents to use to give an allowance to their teen or college student, they allow people to make online purchases, and they are a great solution for those that cannot obtain a normal bank account. Fast approval is normally granted regardless of your FICO profile and there is no need for the bank that issues the prepaid cards to deal with the three bureaus.

With all of the diverse varieties of Top Credit Cards for Subprime credit and benefits that are available, it is easy to identify the best solution for your situation. Look for Top Credit Cards that make sense for your situation that will allow you to control your spending habits. Once you are approved always stay within your credit limit and make your payments on time every month. Top notch credit is a wonderful asset.

To guarantee that you keep building a super credit report, take heed to these general tips:

1. Keep your outstanding balance less than the card's limit. Simply put, it is not smart to "go wild". It is important to keep an account that is no more than half of the available balance on any Top Credit Cards for Subprime Credit.

2. Make at least the minimum payment as scheduled. Even if you have to make just the minimum payment that is listed on your monthly statement, make the payment in a timely fashion. Once a payment is more than 30 days behind, that information must be told to the credit reporting companies. This is not good for your FICO profile. Additionally, when this happens you may also experience an increased interest rate as a result of a solitary delayed payment. Hence it is advised that you pay the bill.

3. Repay the balance completely every few billing cycles. If the card is used a lot, try to pay the balance back down to zero at least once a year. After the bill has been paid down to zero you can feel free to start using the card again and take a few months to pay the balance off again, and make this your repayment pattern. This process shows the lenders that you are an excellent credit candidate. Some other perks you could get when you repay in this way are a lower interest rate, a higher credit max, and a higher FICO score.

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Top Credit Cards for Subprime credit are available online. Act now to apply for a solution that fits your needs.

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