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Improve Your Credit History with Bad Credit Cards
Credit history is a key to your borrowing costs. Having positive credit makes it easy to qualify for good credit card offers with moderate interest rates and exciting premiums. Bad credit gives you a hard time to find a suitable offer. Your choice of plastics is narrowed down due to missed or late payments in the past. However, there is a light at the end of the tunnel. Nothing in the finance industry lasts forever. Bad credit cards will let you rebuild your credit history. Don`t get disappointed that they are not as beneficial as plastics for good credit. When your FICO score improves, you will be able to apply for better offers.
Building credit history is a time and patience consuming process, but the aim is worth your efforts. The main rule is to pay your bills on time. Analyze the reasons of your financial problems and change your spending pattern. If you overspent, try to stick to a budget. If you didn't have enough money to make payments after a job loss or other life-changing accident, establish an emergency fund. Well-considered financial decisions will help you prove your creditworthiness once again and ensure your successful financial life.
Fair Credit Cards: Your Way to Good Credit
Fair credit cards are a great financial tool to repair your credit history and get back on your feet. They are designed for people whose FICO score ranges from 640 to 699. The strong point of fair credit cards is the opportunity to improve your credit score while taking advantage of some beneficial features like 0% introductory rates or cash back reward programs. Moreover, fair credit cards are designed on unsecured basis and have more freebies and attractive features as opposed to bad credit deals.
People with fair credit are usually able to pay their bills on time. However, they may have several late payments due to a life changing accident or an unexpected event. Some people may be close to maxing out their credit limit. However, there are no reasons to fall in despair. Fair credit cards will become your helping hand to prove your solvency and apply for good credit card offers in future!
Great Offers for Good Credit
Credit companies reward smart financial behavior, so good credit is valuable. If your FICO score ranges from 700 to 749, you are eligible for top credit cards with attractive terms and conditions!
Good credit cards come with a wide range of benefits and services that can be not found in plastics for bad or fair history. Feel free to apply for credit cards with no annual fee, low interest rates on balance transfers and purchases, instant approval, and high credit limit. Special insurances and services will protect you from most troubles while you are travelling or making purchases. Moreover, you will be able to get exciting money-saving discounts from participating merchants. They will help you reduce the cost of everyday purchases and fight the impact of inflation.
Another advantage of good credit cards is their enticing rewards programs. Every time you make a purchase, you will get a part of your expenses back as a reward. Just imagine: you can get free merchandise or cash back rebates that you do not need to pay back!
Keep in mind that good credit is not the reason to rest on your laurels. It is important to keep on the right track and avoid making late payments or maxing out your credit limit. Well-considered financial decisions will let you maintain good credit history that will serve you today and for years to come!
Southwest Airlines, Marriott Courtyard Earn Top Marks For Customer Service
[Thursday, April 13, 2017]
If you’re planning a trip in the near future, you might want to look for a flight on Southwest Airlines and try to book a reservation at a Marriott Courtyard hotel.
The two companies just earned high ratings for customer service from the 2017 Temkin Experience Ratings, a yearly ranki[...]
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The latest question of Immediate Credit Card Care Service
At my local bank there was an advertisement that if one enrolls in Alaska airline credit card and spends $1000 in the first 3 months then a travel companion could fly free. Is this still in effect? Does it apply to international trips and 1st class? Does the flight need to be Alaska airlines/ Virgin airlines?
Currently, the Alaska Airlines credit card has the following offer: “Annual companion fare from $121 ($99, plus taxes and fees from $22) after you make $1,000 or more in purchases within the first 90 days of your account opening”. This benefit will qualify for a round-trip coach Companion Fare on Alaska Airlines when traveling with another passenger on a paid published coach airfare on the same itinerary, booked at the same time. However, this benefit applies to Visa Signature consumer accounts only. If you are approved for a Platinum Plus® account, you won’t qualify for this benefit. Please contact Alaska for more details.
Freeze Interest Charges with Balance Transfer Credit Cards!
If you are looking for a way to cut down your interest charges and pay off your debt sooner, than balance transfer credit cards are designed for you. They give you an opportunity to save money by transferring your outstanding balance from a high APR credit card to a low or 0% APR credit card. Thus you will be able to eliminate your debt without losing money on high interest.
If you have several debts, you can consolidate them on one less-costly balance transfer credit card. Thus you will have only one credit bill rather than several to worry about. However, pay a close attention to the limit of your new plastic - it should be high enough to accommodate your entire debts. Typically, balance transfer credit cards come with low or 0% interest rate that lasts for up to 15 months. However, it is just a promotional offer. Then the introductory period expires, you will be switched to a regular APR. The more interest-free time you have to pay off your debt, the better.
If your finances won't stretch far enough to eliminate your outstanding balance within the introductory period of time, then choose a plastic that comes with a zero interest rate for the intro period and a moderate APR afterwards.
How to Save with Your Credit Card
Rewards credit cards are an excellent way to benefit from all your purchases. They let you earn points redeemable for free merchandise, gift certificates, travel-related items and cash back rebates. Moreover, there are special co-branded plastics that provide exclusive experiences that you cannot buy!
Rewards credit cards can be a good choice for every customer. If you enjoy shopping, you will be able to receive a part of your expenses back. Business owners will save on office supplies, equipment and such often used services as mail deliveries or phone calls. Students will like the idea to receive rewards matching young people's needs and interests.
The terms and conditions of rewards programs can differ. There is no credit card that is best for every customer. The right rewards program depends on your spending habits and the way of life. If you enjoy traveling, apply for a frequent flyer or hotel rewards credit card. They will let you reduce your travel expenses and get valuable insurances. Paying with a cash back credit card will give you an opportunity to earn a significant amount of money at the end of the billing cycle. Gasoline credit cards enable customers to save on high gas costs.