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Unsecured Cards for Excellent Credit

 
 
 

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Unsecured Cards for Excellent Credit

Search now to find low interest rates. Are you qualified? Click now to search for Unsecured Cards that have nice benefits, like:

  • 0% Introductory Rates
  • Cashback Rewards
  • Rewards Programs
  • Redeemable Points
  • Consolidation Options

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Once your new card is received, make sure you avoid going over your credit limit and pay your bill on time each month. Follow this advice to make sure any usable balances you possess will always be available for use at any time. Begin here.

 


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Unsecured Cards for Excellent Credit - Understanding The Possibilities

If individuals have Excellent Credit, how do they distinguish which Unsecured Cards to choose when there are so many possibilities? This article will break down a couple varieties of cards to provide a helpful understanding of the advantages of each:

Cash Back - With a Cash Back card, customers get a reimbursement that is the same as a fraction of their transactions. For example, if an applicant is approved for a Cash Back option that offers five percent cash back on food, gas, and drugstore purchases, as the cash back rewards add up they earn cash value. If you pay $150 in petro, groceries, and drugstore purchases weekly, by the close of a year, about four hundred dollars in cash would have accumulated.

Rewards Points - In lieu of giving money back, some companies offer redeemable rewards. Customers earn rewards for just about every transaction. With each swipe of the card, the points add up. When you earn enough points they can be redeemed for items including free travel, gift items, magazines, etc. Be sure to find out if the Unsecured Cards for Excellent Credit you are considering offers rewards.

Gasoline Bonuses - Companies are often times considerate of the cost of gas and will compensate consumers for making card purchases by offering them a free fuel card. As purchases are made, points are earned. Once enough points have been earned they can be cashed in for a prepaid gasoline card. The funny thing is, with some cards fuel points can be earned when you are gassing up your vehicle.

Points Redeemable for Free Rental Car Upgrades, Hotel Rooms, or Frequent Air Traveler Miles - When purchases are made with this kind of card, free travel points are earned. After an accumulation of a certain number of points, they can be cashed in for discounted or free airline tickets or travel accommodations. Business travelers find these kinds of programs to be very beneficial.

0% Introductory Interest Rates - 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 spans six to twelve months. Smart people use this promotional period to move balances from their current Unsecured Cards to one of these and pay the balances off within the promotional period. Paying the bill on or before the due date is imperative. When the first payment is not received on time, most 0% APR rates go up to a different rate. People that are eligible for Unsecured Cards for Excellent Credit, and have the chance to get an introductory period free of finance charges should consider this great opportunity.

Secured Cards to Establish Credit - Customers with one of these would insert a few hundred to a few thousand dollars, depending on what they could afford, into an account that can earn interest while it is there. This account serves as the security for the issuer. Once the account is set up, a card is offered with a line of credit that is the same as the amount that has been deposited in the account. Each time you swipe your card the amount of that transaction is deducted from your available credit balance, low interest regularly scheduled payments are calculated, and a monthly invoice is generated. Just like any other credit card, when you use it you will receive a payment plan. Secured Cards to Establish Credit are awesome because they perform the same as ordinary credit cards allowing people the freedom to book travel accommodations like airline tickets that usually do not take prepaid or debit cards. Another great feature is that approval is typically guaranteed regardless of your credit score. This is good because many secured card companies submit your payment schedule and how you keep up with your payments to be added to your credit profile. This could be an excellent way to prove you are creditworthy by showing timely payments no matter if you have Excellent credit or not. After making a certain number of payments on or before their due date, most issuers will increase your credit limit without asking for an additional deposit.

Pre-paid Credit Cards - With a Pre-paid card, purchases can be made without interest, fees, or finance charges. Just like a typical bank account, you put money in and that becomes the amount that can be spent. After the prepaid account balance runs out, you can recharge it with an additional deposit. Reloadable prepaid cards are fantastic as gifts, transactions can be tracked and recorded if necessary, and they help people that cannot get a conventional depository account. Approval is normally granted regardless of your FICO profile and there is no need for the prepaid card issuer to send any inquiries to the three bureaus.

With all of the various sorts of Unsecured Cards for Excellent credit and benefits that exist, there is something for everyone. Look for Unsecured Cards that allow for the most rewards. Remember these things and always spend wisely and pay the bill on or before the due date. Great credit is fantastic asset.

To make sure that you keep cultivating the best FICO profile, take heed to these three directions:

1. Always have a balance at a percentage of the credit max. Simply put, it is not smart to "go wild". Most people with excellent credit make it a point to carry an account that is no more than fifty percent of the limit on any Unsecured Cards for Excellent Credit.

2. Keep the credit card bill paid on time. Even if the minimum is the most that your budget will allow, make the payment in a timely fashion. When payments are made more than 30 days late, it will be told to Experian, Equifax, and Trans Union. This negatively affects the consumer's FICO report. Unfortunately, customers may also have more points on the card's interest rate as a consequence of a single past due payment. Therefore it is recommended that consumers stay on top of the bill.

3. Pay the whole thing off every few billing cycles. If the card is used a lot, do your best to bring the balance to zero as many times a year as possible. When you do this, it is wise to start using the card again then take a few months to pay the balance off again, and make this your repayment pattern. This sequence shows the lenders that you can be a great customer. Most lenders reward customers like this with lower rates, higher credit limits, and a better credit profile.

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Unsecured Cards for Excellent credit are waiting for your application. Click now to start the application for a solution that could be the answer to your needs.

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