Good Credit CREDIT CARDSWith good credit, you’re likely to qualify for a variety of credit cards with features such as: no or low annual fee, competitive interest rate, and an attractive rewards program. Your strong credit history shows credit card issuers that you know how to manage your money and act responsibly. Below, we outline some of the best credit cards for consumers with good credit.
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While good credit is something to be proud of, remember this: there’s a little bit of room for improvement. By taking a few key steps, you can move into the excellent credit score category, which brings you even more benefits.
Here’s what you need to do:
You want to boost your credit score quickly, but it doesn’t always work this way. Depending how far away you are from excellent credit territory, it could take six months or more to achieve your goal.
When you have a plan and exercise patience, you’ll steadily inch toward an excellent credit score.
It’s easy to relax when you have a good credit score. You know you should pay your bills in full and on time, but you may slack off for one reason or the next.
If you want to take your credit score to the next level, you should always pay your bills on time.
Tip: set reminders on your smartphone so you never forget when your bills are due.
When was the last time you reviewed your credit report? If it’s been a while, don’t wait another day to take a closer look.
Many credit reports contain at least one error, which can drag down your score. By correcting inaccurate data, your score may experience an immediate bump.
It’s okay to apply for credit when necessary. For example, if you’re buying a new car, shopping around for the best loan can save you money.
However, you want to avoid too many hard inquiries over a short period of time. This can harm your credit score, thus making it more difficult to reach the next level.
Note: a hard inquiry can affect your credit score for as long as one year.
Paying down your balances will give you peace of mind, while also boosting your credit score.
For example, if you have a $10k balance on a credit card with a $10k limit, start paying it down as quickly as possible. As your balance gets smaller, your credit score is more likely to rise.
Final Thoughts
A good credit score is an achievement, but don’t stop there. Continue to push yourself with the hopes of achieving an excellent score in the near future.
Once you reach this level, you’ll find that it provides you with a variety of financial benefits.
Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.
General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)
Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).