Fair Credit Credit Cards To Boost Your Credit Score

If you have been labeled with a fair credit rating

, then you are somewhere in the middle. It is not essentially a bad score but it is definitely not an excellent one either. This would basically mean that you missed some monthly payments, you were not able to pay on time or your debt to income ratio is quite low. Some fair credit credit cards are business cards, balance transfer cards, cash back cards and rewards cards. If you have a fair credit, it does not mean that you need to suffer the demands of a dreadful credit card letting it do more harm than good on your financial status.

Can I still apply for a credit card even with a fair credit?

Yes, you still can. It does not necessarily mean that you will be denied all out when you do decide to apply but you need to understand that you have to work doubly hard when you apply for credit cards with this kind of credit history.

There are several credit companies who allow credit card applications even with a fair credit score. Just make sure you get the right one in order not to cause more burdens on your financial condition.

Credit cards for fair credits: what to do?

When you look for a credit card with your fair credit background, make sure that you take time to bargain for a more stress-free billing cycle, lower rates of interest, or a better payment scheme each month. If you do this at the start, you will surely reap the benefits later.

What are some credit cards I can consider?

There are several credit companies that you can turn to when you have a fair credit history. The fair credit credit cards have their own rewards and drawbacks that you need to consider before you go and jump in. Always make sure to take time to examine the fine prints too.

? Regular Cards: IberiaBank Visa Classic Card offers a zero percent transfer offer plus a 4% interest rate on all your purchases. Citi Platinum Select Card also offers you a decent 10.9% rate, a zero percent balance transfer introductory rate and no fees to pay each year.

? Rewards Cards: . The Bank of America Accelerated Rewards(TM) American Express Card maybe used by customers whose credit score leans to the fair side. It is a credit card with a big rewards program. Plus it puts forward a fixed balance transfer and interest rate (low at that) for any new purchases you made, no fees to be paid annually and zero percent introductory deal with admittance to the rewards program that they have.

These are just some of the examples of the credit cards you can avail of even with a fair credit score. There are more cards to choose from online.

Remember these..

Credit companies do want, as much as possible, to support applications for credit cards from people with fair credit scores. But do make sure to fill out your application form completely. There are some applicants who skip some important questions and wonder why their application was not approved

by: Elissa Joyce

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