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Top Credit Cards for Super Prime Credit

 
 
 

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Top Credit Cards for Super Prime Credit

We help you find low interest rates. Are you qualified? Click here to get Top Credit Cards with great options like:

  • 0% APR Introductory Rates
  • Cash Back Programs
  • Airline Rewards
  • Redeemable Points
  • Balance Transfer Options

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If you are approved for a new card, make sure to avoid going over your credit limit and pay your bill on time each month. This will help to ensure that all the open accounts you possess will stay available for use at any time. Start now.

 


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Top Credit Cards for Super Prime Credit - Knowing The Options

If people have Super Prime Credit, how do they tell which Top Credit Cards to choose when there are so many opportunities? The information below will break down a few types of cards to give you a better understanding of the benefits of each:

Cash Back - With a Cash Back card, customers get a repayment equal to a percentage of their transactions. For instance, if an applicant is approved for a Cash Back option that gives five percent cashback on supermarket, gas, and pharmacy purchases, as the rebates add up they can be cashed in. If you use one hundred and fifty dollars in gas, supermarket items, and drugstore purchases each week, by the end of a 12-month period, about four hundred dollars in rebates would be available.

Rewards Points - In lieu of rewarding customers with money back, some issuers give redeemable rewards. Customers get points every time the card is used. Every time the card is used, the points add up. Once a specified number of points have accumulated they can be redeemed for items including free travel, gifts, subscriptions, etc. Always check to see if the Top Credit Cards for Super Prime Credit you apply for offers a points program.

Petro Rewards - Credit card issuers can be sensitive to the cost of gasoline and want to give incentives to people for using their credit card by rewarding them with a free gas card. As purchases are made, points are earned. After you have earned enough points you are eligible for a prepaid gas card. The funny thing is, with some cards fuel points can be earned when buying gas.

Points Toward Free Rental Car Upgrades, Hotel Rooms, or Frequent Air Travel Miles - When purchases are made with this kind of card, customers can earn frequent traveler's points that can be redeemed for free travel. Once enough points are accumulated, they can be cashed in exchange for free airline tickets, hotel stays, or rental cars. Frequent travelers really like these rewards.

Zero Percent Promotional Interest Rates - Finance charges are not applied on these cards for a specified amount of time. The period where no finance charges are being applied usually lasts anywhere from six to twelve months. Typically, customers take advantage of this kind of card to transfer their balance from their interest bearing Top Credit Cards to one of these and pay it off while there are no finance charges being accrued. Paying the bill on or before the due date is extremely important. When just one payment is not received on time, most the interest free introductory rates adjust to another rate. Folks that are applying for Top Credit Cards for Super Prime Credit, and have the chance to get a zero percent promotion should consider this opportunity.

Secured Cards for Rebuilding Credit - Individuals with one of these must deposit a cash amount in a secure account that accumulates interest. This becomes the card's collateral At that point a credit card is offered with a spending limit equal to the amount of the deposit. Each time a transaction is approved your available credit is recalculated, low rate regularly scheduled payments are computed, and a monthly invoice is is mailed. If the card is being used an affordable monthly invoice will be sent. Secured Cards for Rebuilding Credit are terrific because they function the same as conventional credit cards allowing customers the freedom to book travel accommodations such as airline tickets that typically do not accept prepaid or debit cards. However, just like prepaid cards approval is ordinarily guaranteed no matter what. But do not forget that most secured card issuers submit whether or not the bill is paid on time to be added to your credit profile. This is a wonderful way to establish creditworthiness by making timely payments no matter if you have Super Prime credit or not. Once you have paid six to twelve payments in a row, most times the bank that gave you the card will allow you to make purchases over your current limit without requiring an additional deposit.

Pre-paid Credit Cards - With a Pre-paid card, there is no question about the credit limit. Just like a checking account, a certain amount of money is deposited into an account and that is your spending limit. After the prepaid account balance becomes depleted, simply put more cash into the prepaid account and your card will be ready for use once again. Prepaid cards are excellent for staying on a budget, they make it so you don't have to carry cash all the time, and they are generally granted to those that may not qualify to obtain a traditional depository account. Approval is usually granted regardless of your bureau score and there is no need for the prepaid card issuer to contact Experian, Equifax, and TransUnion.

With all of the various varieties of Top Credit Cards for Super Prime credit and benefits that are offered, there is a solution available for most credit card seekers. Consider Top Credit Cards that give the benefits that fit your situation. When you receive your card always make wise purchases and timely payments. Great credit is an awesome asset.

To make certain that you keep developing a great credit report, follow these easy guidelines:

1. Maintain your outstanding balance lower than the card's limit. Another way of saying it is, it is not smart to "max out". Try to carry a bill that is generally fifty percent of the maximum spending limit on any Top Credit Cards for Super Prime Credit.

2. Pay your credit card bill on time every month. Even if a small payment can be made, pay it. Once a payment is more than 30 days behind, that information could be told to the credit reporting agencies. This negatively affects your FICO profile. And let's not forget the fact that you may also have to pay an increased interest rate as a result of a single past due payment. Therefore it is smart to pay the bill.

3. Pay the balance completely every quarter. When the balance gets to be about half of the limit, make it your goal to pay the balance back down to zero as often as you can. After the bill has been paid down to zero it is okay to begin creating transaction activity (like buying gas, shopping online, or making purchases) then pay it back down to zero again after a few months, and keep this pattern going This repayment history confirms to the lenders that you will be an excellent credit candidate. You could also be rewarded with low rates, a higher limit, and a higher credit score.

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Top Credit Cards for Super Prime credit are easy to find. Act now to get approved for a card that could be the answer to your situation.

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