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Your credit score is only about 620-650 FICO points. You do not qualify for the best credit card deals. Consider applying for an average credit card!
Everyone wants a credit card with low fees and rates and favorable reward programs. But what if you have only average credit? Are there chances you will get an approval for best credit offers? Of course, you can always try, but remember that if credit card companies are not impressed by your credit report, your application will be turned down and your credit history will be damaged.
The easiest way to get your plastic is to compare credit cards online. There is a great variety offers, so take your time to make a judicious decision.
• Read the terms and conditions carefully, compare the fees and the rates and select the best deal.
• After you receive an approval from the credit card company, start using your new credit card for purchases. Do not get close to exceeding your credit limit and always make your payments on time.
• Gradually, your credit score will improve. Thus, you will reach your goals - to use a credit card and to build a better credit history.
So what are the main features of average credit cards? Let's take a look on their terms and conditions:
1. First, how much can you actually borrow from your credit card company? Usually the credit limit for this type of credit cards is not very big, because the banks are not sure how creditworthy you are.
2. Do not forget about the bank fees such as set up fee and annual fee. Sometimes the credit card company will not charge you a set up fee at all if your credit score is high enough. Most likely your set up fee will be about $29-49. The annual fee is generally about $50. There are also fees if you get a cash advance or make a late payment.
3. There are usually no reward programs or special bonuses. But if you are a responsible credit card user, average credit card is an excellent way to become eligible for top credit card offers!
Submit your online application and receive your new card!
Credit Cards Tips
Isn't it annoying to receive all that junk mail from credit companies trying to convince you to apply for their plastics? Pre-approved offers are based on the data in your credit report that indicates you meet the specified criteria. According to the Fair Credit Reporting Act of 1970 (amended in 1996), the three major credit bureaus have the right to sell your information to companies that want to offer you their credit cards. Fortunately, the amendment also requires the credit bureaus to provide a way for consumers to remove their names from pre-approval lists.
If your credit is less than perfect, you may feel that you are not eligible for low APR credit cards. It's not a surprise that applicants with average credit are expected to pay higher interest rates than borrowers with good credit history. Depending on the problem that damaged your credit score, it may be the truth. However, don't get disappointed. There are low APR credit cards that require only an average credit to qualify for. Knowing which cards, where to apply and how to highlight the positive sides of your application is the key to get a profitable plastic.
Trying to reduce the chance of becoming a victim of a credit card fraud, a lot of savvy credit card holders refuse to sign the back of their credit cards. Some customers leave the signature line blank, while others write "see ID". They think that it will prevent the unauthorized use of their credit cards because the criminals won't be able to show identifying documents or falsify their signature without an example. However, this practice is controversial. Let's explore its pros and cons and decide if it is worthy or not to sign the back of your credit cards.