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Advantages Of Secured Credit Cards Find The Best Credit Card Offers
Learn about the benefits of secured credit cards Find the best card offers online or offline.
   
   


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Contributor: Claire Hendley - Back To Top

Everyone knows the advantages of secured credit cards for people with bad credit. Often, secured credit cards are the only type of card that people coming out of foreclosure or bankruptcy can obtain. They help the consumer with bad credit to reestablish their credit. But did you know there are advantages to secured credit cards for people with good credit? First some background. These credit cards are "secured" because they are backed by a savings account. Thus, you can't have more credit than you have on deposit. And, if you fail to pay the bill, the creditor can tap into your savings for payment.

With time, you may be able to access more credit based on a multiplier. Therefore, if you have $1000 on deposit and a 1.5 multiplier, you can charge $1500. There are two reasons for someone who can get credit normally to take a secure card. The first is that these cards can help you raise your credit score. By showing that you can handle multiple lines of credit (though not more than 5), you will increase your credit worthiness. The other reason is for when you cannot get a credit limit sufficient for a big ticket purchase such as electronics. Often, even with good credit, you can't get approval for the amount of a big ticket purchase. However, if you put down a security deposit, you can get a higher credit limit. Having a high limit secured credit card that you handle responsibly can lead to being able to obtain  unsecured high limit cards.

Contributor: Joe Boyd - Back To Top

It is well said that you can never be too rich and we all wish that we could procure some cash from somewhere but as we all know, that never happens. Many a times the majority of us are broke. These are the times when our credit cards are a lifeline and we can depend on them. So this way you can fix your bills. Credit cards can be really useful in times when you are low in cash. There are so many companies who offer many deals and services only for you. There is American Express and Visa, Discover and MasterCard among so many others. So don't just catch on to whatever comes your way, choose the one that is best for your needs.

Well so now that we know that we need a credit card for sure how and where and when are so many questions that pop up. Letís begin with the basics first. Go online and grab information on the various lucrative offers which the companies are giving you. Whichever companies you choose all have websites for basic information on the net. You should not go only for the annual percentage rate which the company offers but see other deals also be it any card Visa, American Express, Discover or Master Card. Okay, here's some food for thought; APRs such as 18.9 and 16.8 are awful. Most likely when you read the fine print, you'll see that these APRs apply to all purchases. But if you think about this for a moment that means that you'll be paying an awful percentage rate on every dollar you spend using that credit card. It's doubtful that you want this. In other words if you owe 5000 dollars on your card, every month you will be forking out 16-19 percent of that in just interest fees. Yikes! That's utterly dreadful.

Be sure to do your homework when searching high and low for the best credit card offers currently out there. Try their official websites first. This means you should go to MasterCard.com or Visa.com. See what's offered right off the bat. Naturally you can acquire a better rate and higher credit line dependent upon your income. There are numerous cards offers to select from.





0% Interest Rate Credit Cards Most Popular Credit Cards Today
Credit cards that are easy to apply for and in in high demand, 0% Intro APR with low fees.
   
Bad Credit Credit Cards Bad Credit / No Credit
Find Credit Cards for people with less than perfect credit history.
   
Apply For Business Credit Cards Business Credit Cards
Excellent credit cards allows you to earn rewards with daily business expenses.
   
Gas Rewards Credit Cards Gas Rewards Cards
SAVE on gas and avoid high gas prices with a gas card plus earn cash rebates for gas.
   
Rewards Credit Cards Rewards Cards For Airline, Hotels, Travel And Shopping
Earn points airfare rebates, hotel free room upgrades and hotel stays, travel miles etc.
   
Student Credit Cards Student Credit Cards College And High School
Credit cards for High School and College Students and helps build credit history.
   
Prepaid Credit Cards Bank Prepaid Credit Card VISA or MasterCard Enabled
Assists in controlling spending and spending habits plus they can be reloaded at any time.
   
Debit Cards Prepaid Debit Cards
Does not require credit check with instant approval and reports to all 3 credit bureaus.

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