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| Credit Card Offers » Apply for a Credit Card » Credit Card Levels » Fair Credit Credit Card Offers |
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Fair Credit Credit Card Offers |
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| Fair credit credit cards are specifically designed for those who have fair credit. The cards are an ideal way to start improving your credit rating and getting back on the track to good credit once more. Fair credit credit cards are typically issued to those who have a credit rating of 620 to 659. If you are looking to improve your credit rating, fair credit credit cards are a great way to get started. |
- Use fair credit credit cards when you need to re-establish your credit score over time.
- Making payments on time will help you improve your credit score over several months.
- Look for fair credit credit cards with the lowest annual fee and interest rate you can find as they tend to be higher for people of this credit score range.
- Some fair credit credit cards will offer benefits like rewards programs or insurance- just be sure they're actually rewarding you and not costing you to have them
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| Credit Card Offers Found: 4 |
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| Most Attractive: |
No annual fee. |
| Special Offer: |
0% on purchases until October 2008 |
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(MasterCard)
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- Great choice if you carry a balance short-term
- 0% on purchases until October 2008. After that, variable APR, currently 17.8%
- No annual fee
- Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping
- See Capital One® important disclosures for more information.
- Benefit Rating:
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0% Intro APR on Purchases for until October 2008
17.8% Regular Variable APR for Purchases
20.9% Regular Variable APR for Cash Advances |
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Bonus on First Purchase: n/a
25 days Grace Period |
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(* A 0% introductory rate is available on purchases until October 2008) |
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| Important Notes: |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
Common platinum benefits; low annual fee; reward program. |
| Special Offer: |
0% APR on purchases until October 2008. After that, variable APR, currently 14.9% |
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(Visa)
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- 0% APR on purchases until October 2008
- $29 annual fee
- 25% annual bonus on the cash you earn
- 1% cash back on everything you buy from day one
- No expiration on cash rewards for the life of your account
- No limit on cash back and rewards won’t expire for the life of your account
- Platinum Benefits including extended warranties, travel accident insurance, and 24-hour roadside assistance
- See Capital One® important disclosures for more information
- Benefit Rating:
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0% Intro APR on Purchases for until October 2008
14.9% Regular Variable APR for Purchases
20.9% Regular Variable APR for Cash Advances |
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Rebate Amount: Up to 25%
$29 Annual Fee
25 days Grace Period |
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(* A 0% introductory rate is available on purchases until October 2008) |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
Common platinum benefits; reward program. |
| Special Offer: |
0% on purchases until October 2008. After that, variable APR, currently 14.9% |
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(Visa)
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- 0% on purchases until October 2008. After that, variable APR, currently 14.9%
- 5 points per dollar spent at gas stations, major grocery and drug stores
- 1 point per purchase everywhere else
- No limit on points earned and they don't expire for the life of your account
- See Capital One® important disclosures for more information.
- 0% on purchases until October 2008. After that, variable APR, currently 14.9%
- Benefit Rating:
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0% Intro APR on Purchases for until October 2008
14.9% Regular Variable APR for Purchases
20.4% Regular Variable APR for Cash Advances |
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Points per Dollar: 1.00 Point
Bonus on First Purchase: n/a
$29 Annual Fee
25 days Grace Period |
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(* The introductory rate of 0% is available on purchases until October 2008) |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
Common platinum benefits. |
| Special Offer: |
0% APR on purchases until October 2008 |
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(MasterCard)
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- 0% APR on purchases until October 2008
- $19 annual fee
- Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping
- Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
- 14 unique card designs to choose from to personalize your card
- 24/7 customer support and online account service
- See Capital One® important disclosures for more information
- Benefit Rating:
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0% Intro APR on Purchases for until October 2008
12.9% Regular Variable APR for Purchases
20.9% Regular Variable APR for Cash Advances |
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$19 Annual Fee
25 days Grace Period |
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(* A 0% intro rate is available on purchases until October 2008) |
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| Important Notes: |
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See website for complete terms and conditions of card usage and application disclosure.
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Those with fair credit have had problems in the past and have suffered some damage on their credit report. These could include late payments, loan defaults, judgments, and other such instances that could hurt your credit report. However, all is not lost and bouncing back from bad judgment is possible, provided that you use fair credit credit cards as a helping hand to prove yourself credit worthy once again.
The downside to fair credit credit cards is that they have a typically higher rate of interest and some other fees than credit cards for those with good credit or excellent credit. However, getting a credit card for fair credit can put you on the road to a credit card for good credit, which comes with higher credit limits, lower rates of interest, and lower to no fees associated with the credit card.
With fair credit credit cards, you will probably be accessed some annual fees, and perhaps some other types of usage fees. The best thing for you to do when researching your choice of fair credit credit cards is to determine which ones best suits your needs in regards to credit limit, fees, and interest rates.
The key importance when researching is to be sure that you can improve your credit score with this credit card, you want to make sure that the interest rates and fees are not going to set you into further debt and that you have the ability to afford the payments. The best thing for you to do is look for fair credit credit cards that will allow you to afford to pay off the balance each month.
However, while looking for the best possible fair credit credit cards offer is important, you want to be sure that you take the necessary steps in your own personal affairs to ensure that you keep your credit moving on the right track. You want to avoid going into debt and turning your fair credit into poor credit, instead of the other way around.
One way you can do that is to choose the best amongst the fair credit credit cards offers you receive and work your way up to good credit by maintain the credit card for a lengthy period of time and keeping up the payments each month. However, it is far better and much easier to maintain if you use the credit card only as much as you can afford to pay back.
Paying back the entire balance on a monthly basis will help you avoid access interest charges, regardless of the interest rates and actually help you save money in the long run. At the same time, because you are making these payments, in full and on time, you will be improving your credit score. Fair credit credit cards can only do so much to improve your credit score; you should be working to take care of any other instances of bad credit on your credit report at the same time.
With fair credit credit cards, you still have the option of taking advantage of many benefits that come with other credit cards, such as insurance, and other various benefits, these will vary from one credit card to the next and depend on which card you choose.
However, the good thing about fair credit credit cards is that as you continue to improve and show your credit worthiness, they will raise your limit with or without you having to ask. When they offer to raise your credit limit, it will be a great feeling, because you know you are taking the right steps to improving your credit score and report.
For those with fair credit, fair credit credit cards just make sense to improving your credit and getting back on the right track. |
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