Credit Card Deals with Good Credit
A rewarding result of flawless payment behavior and wise credit card use is good credit score. The score can be evaluated by means of several scoring systems, as you know. According to the most popular FICO system, good credit history varies between 660-750 points. Other scoring systems maintained by other credit reporting bureaus can present some other number. And the real value of these precious points can be understood when you see what deals you are eligible for with a good score.
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The Longest 0% APR Period for Balance Transfer
Citi® Diamond Preferred® Card
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
Nowadays a consumer with any FICO score can be eligible for a credit card deal or a loan. But those with high credit rating can cream off the banks' offers to their taste! It is convenient to do it at our site where the prime of the market is introduced. As a matter of fact, many lenders focus on consumers with high FICO, keeping a competition in offering products with the most alluring features. An applicant with a rating of more than 660 FICO is of little risk, from the banks' point of view. That's why good spending limits are extended and generous rebates are provided, to reward the customers for future spendings and balance payments. Feel like about to play the field? You'd better take care of your credit rating, as sometimes scores can be easily lost.
In the variety of the lowest rates, ridiculous fees and breathtaking rewarding programs one can easily get lost. No doubt, you will find an optimal option among the good credit deals, if you decide what is really necessary for you. But some people fall into extremes and start applying for too many plastics. They are either tempted by rewards programs or bonuses offered, or start the game of "rate surfing" (which means finding new 0% interest rate deals to transfer the current balance in order to reduce the payments). Both are dangerous, as your credit can be significantly damaged and you can make much debt this way.
In order to secure and increase your credit and get the most of it, one should make smart decisions before acting.
• Take the good credit card deals you really need. Are you used to making daily purchases with a credit card? Feel free to choose a deal with cash back or point rewards - thus you can make your spending sort of profitable! Those who need a plastic for important purchases (which in many cases imply carrying the balance) are recommended to choose among the products with a low interest rate. Cash back deals in this case can only increase charges for the credit, giving no tangible rewarding. Avoid applying for hotel or frequent flyer rewards deals if you do not actually travel a lot, as these products usually imply a higher interest rate.
• Avoid applying for too many cards. This is bound to bring mess into your finances and can lead to debt and score damage. Having too many credit accounts means remembering to pay a lot of different bills, and if you miss something, you'll have to pay penalty charges. It is mentionable that experts maintain that 3-4 credit cards are quite enough.
• Protect your personal information. Making purchases via the Internet use reliable sites that practice SSL protection. Install anti-virus software on your computer and avoid indicating your card numbers or SSN at suspicious web-pages, letters and forms. Never give out your personal information over the phone or to strangers. Identity theft very often results in credit score damage.
At CreditCardSpecialist.com consumers with good credit rating can enjoy a wide selection of credit card deals to boost their finance and credit score. Fill out an application for your credit card today!
Credit Cards for Other Credit Histories:
Your Credit score is above 750 which means you make payments on time and have low debt. Consider credit card offers specifically designed for applicants with excellent credit and apply online.
Your Credit score is between 620 — 659 which means you pay late from time to time or have high debt. Consider credit card offers specifically designed for applicants with fair credit and apply online.
Your Credit score is between 350 — 619 which means you have missed payments or have high debt, or both. Consider card offers specifically designed for applicants with bad credit and apply online.
Your Credit score is 0 which means you haven't had an account reported to your credit history. Consider card offers specifically designed for applicants with limited or no credit and apply online.
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