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Basics of Credit Card
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Cash Back Credit Cards Cash back credit cards give you money rewards. When you make a purchase with this type of credit card, you get some points based on the amount of money you have spent with your credit card. When you accumulate enough points, you get cash back. On most cards, you can get back about 1% of your total purchases. Airline Credit CardsThis type of card allows you to accumulate frequent flyer points on all your credit card purchases. If you travel a lot or love to travel, this card can help you accumulate points for a free trip or for a discount ticket. In many cases, these cards are great because they allow you to gather points for every purchase. However, these cards can also charge high fees. In some cases, your points will expire if you do not use them within a specified time. Worse, some airline credit cards make use of a point system that is not very user-friendly. You may have to slowly accumulate an enormous amount of points to qualify for a trip. If you do not love to travel and if you do not use your credit card a lot, then, your ability to get rewards you like may be very limited.Prepaid Debit CardsThese cards are sometimes called junior credit cards. They are not truly credit cards at all, since you are not getting credit or loans from the credit card company. Instead, these cards work by having you deposit some money into the card account. You can then use your card to charge any amount up to the amount in the account. When you add more money, you can charge more to your card.If you have poor credit, no credit, or if you are underage, prepaid debit cards allow you to enjoy credit card purchases without the hassle of a credit card application. With these cards, it is hard to rack up high debt. The financing charges on these cards are also very small, in some cases. However, some prepaid debit cards charge extra fees for applications and for yearly use, so compare offers carefully before selecting this type of card.
Secured Credit CardsSecured credit cards use collateral to ensure that the card company will be paid back. Often, these cards are used by people with no credit or bad credit. With secured credit cards, you can enjoy credit card convenience even if you do not qualify for traditional cards. However, you will also have to cope with the additional fees and low credit limits that these credit cards have.Credit Cards For Bad CreditBad credit credit cards are designed for people with poor credit histories. These cards generally have very low credit limits and charge extra fees. This is because they are designed for people who are considered far less likely to repay their debts. If you have a bad credit rating, these types of credit cards can be a great way to rebuild your credit history. These cards can also allow you to have credit even if you would be rejected for most other cards due to your credit history.Student Credit CardsStudent credit cards are cards meant to attract college and university students. These cards often offer sign-up bonuses for students. They are also easier to apply for, since credit card companies recognize that students have much shorter credit histories than the average customer.If you are a student, student credit cards can be a great option. They are simple to use and can help you build a good credit rating before you graduate. However, there are some disadvantages to student credit cards. These cards may have no reward programs and may have fewer benefits, including fewer bonuses and services, than other cards. Business Credit CardsBusiness credit cards are created especially for business use. They offer many of the same advantages as traditional credit cards, but also offer services that can really help a business. With some business credit cards, for example, you can enjoy higher interest rates, extra cards for business employees, monthly reports on your expenses, and services that let you keep your personal and business expenses separate on the same card. These advantages mean that using this card for your business is more convenient.If you own a business, you may wish to consider this type of card. The only real disadvantage of business cards is that there are so many of them. Some cards offer fewer features and some charge businesses additional fees for bonuses and services. You can avoid these problems by seeking out the best possible business credit cards for your needs. Now that you understand the different types of credit cards, you can make the right credit card decision for yourself. Knowing which cards are right for you can help empower you to make the right financial choices. Related ArticlesSecured Credit cards - The best way to re-establish your creditUnsecured Credit cards - Is it worth to buy it? Be a credible student with a student credit card Pros and Cons of junior credit cards Understanding the cash back credit cards Visa Credit Card - Have You Come Across It?  Bookmark
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