Top Credit Cards for Top Notch
Credit - Understanding The Choices
If people have
Credit, how will they
distinguish which Top Credit Cards
to choose when there are so many options?
The information below will discuss several kinds
of cards to offer a helpful understanding
of the pros of each:
Money Back - With a Money Back
card, you may be offered a rebate equal to
a fraction of their transactions. For example,
if a customer has been approved for a Money Back
option that awards five percent cashback
on food, gas, and drugstore
items, as the cash back rewards add up they can be redeemed. If you
spend $150 in gas, food,
and pharmacy items weekly, at
the completion of a 12-month period, $390
in rebates would have accumulated.
Rewards Points - Instead
of rewarding customers with money back, some companies
present customers with redeemable rewards. Customers earn
rewards for just about every transaction. As purchases are made, the rewards
increase. When you earn enough points they can be redeemed for things like
free hotel stays, gift cards, magazines, and so on.
It is important to know whether or not the Top Credit Cards
for Top Notch Credit that you want will offer
Fuel Bonuses - Credit card issuers
can be understanding about the price
of fuel and want to compensate
consumers for their purchases by offering them a free
gasoline card. As purchases are made, points are earned. Once you have completed enough transactions to accumulate a certain amount of points you are eligible for a
prepaid gas card. The funny thing is, with some cards gas rewards can even be earned
when making gas purchases.
Rewards for Free Rental Car Upgrades, Hotel Rooms, or Frequent Flyer Miles - When purchases are made with these cards, "customers receive "" points"" toward free travel including free frequent flyer miles." As the points add up, they can be cashed in for discounted or free airline tickets or travel accommodations. 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 promotional period typically lasts anywhere from half a year to a whole year.
Many customers take advantage of this kind of card
to shift 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 especially crucial.
When a payment is paid late, most times
zero percent APR rates go up to a higher
rate. Folks that are offered
Top Credit Cards for Top Notch
Credit, and are offered a 0% introductory rate
should think about this option.
Secured Cards - Customers with a secured credit card
must insert a specified amount of cash in a bank account that can generate interest.
This account serves as the security for the issuer. At that point a credit card is
delivered with a credit limit equal to
the opening balance of the interest bearing account that was created. As the card is used your available credit is recalculated, affordable
monthly payments are calculated, 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
are good because they perform like
conventional credit cards allowing people
to do things that debit cards may not, like making travel accommodations such as hotels, rental cars, airline tickets, or cruises
that usually do not accept consumer checking account
cards. One of the best things about the application process is that approval is typically
guaranteed despite your credit profile. However, keep in mind that many
credit-rebuilding card issuers report your repayment history
to be added to your credit profile. This could be an excellent
approach to establish creditworthiness by showing scheduled
payments whether you have Top Notch
credit or not. After making
six to twelve consecutive timely payments, many times the limit can be increased without
asking for an additional deposit.
Prepaid Credit Cards - With
a Prepaid card, there is no question about the credit limit. Just like
a checking account, a deposit is made into an account and this becomes
your spending limit. When the prepaid credit 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. These cards
are great for staying on a budget, they offer the same flexibility as a check card, and they are generally granted to those that may not qualify to
obtain a typical depository account.
Fast approval is usually guaranteed despite
your credit score and there is
no need for the prepaid company to contact Experian, Equifax, and TransUnion.
With all of the various sorts
of Top Credit Cards
for Top Notch credit and
rewards that each of them offer, there is a solution available for most credit card seekers. Look for
Top Credit Cards that give the benefits that fit your situation. Stay smart and be sure to
stay within your credit limit and make your payments on time every month. Prime credit is a wonderful
To guarantee that you keep growing a top notch FICO score, follow these easy directions:
1. Maintain your outstanding balance at no more than half of the
credit limit. Another way of saying it is, it is not smart to
"go crazy". Experts agree that consumers should carry
an account that is generally forty to fifty percent
of the available balance on any
Top Credit Cards for Top Notch Credit.
2. Make the monthly payments by the due date. Even if you cannot make more than the minimum payment due, be sure to pay the bill on time. When payments are made more than 30 days late, that information could be told to the credit reporting companies. This is bad for the consumer's credit profile. As a result, you may also have to pay a higher interest rate as a consequence of something as small as a past due payment. Hence it is smart to make this bill payment a financial priority.
3. Pay the balance completely every few billing cycles.
When purchases are made, make it your goal to
bring the balance to zero as often as you can. Afterward, you can feel free to
start swiping your card for purchases again then take a few months to pay the balance off again, and keep this cycle going.
This pattern confirms to the lenders
that you are an excellent credit candidate. Some of the other benefits of this approach are
a lower interest rate, higher credit limits, and a higher credit score.
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Virginia * Wisconsin * Wyoming
Top Credit Cards
for Top Notch credit
are available online. Act now
to get approved for a card that suits