How to Make Yourself Creditworthy: The 7 Don’ts of Credit
Whether you like it or not, your credit score is something that will affect you your whole life. If your credit score is good, then you just need to focus on not ruining it. If it's not good, you could be in for some serious work. Unfortunately, raising your credit rating from the depths of disgrace is a process similar to beating the bulge – it could take some time and a lot of effort.
(Nearly) Recession-Proof Credit Card Rates
Credit card interest rates below 10% are in short supply these days, but quite a few still offer rates below the national average of 14.90%, including the trio of options we’ve listed below. Keep in mind, however, that you’ll probably need a credit score of 700+ in order to qualify for the lowest rates.
Credit card rewards programs
Due to a dreary economy and troubled financial industry, many rewards credit cards are either scaling back on their offerings or requiring excellent credit scores for decent interest rates. However, a few good cards still exist for those with less than top-notch credit at rates far south of 20 percent. Whether you prefer merchandise, cash or miles, a credit score in the decent range is all you need to access the benefits offered by the rewards cards listed below:
Credit Card Deals: Rewards Programs
The Advanta Platinum Business Card with Unlimited Rewards is also open to individuals with very good and good credit. Card holders earn 1 point for every dollar they spend. The Advanta Platinum BusinessCard Unlimited Rewards also has 0% APR for 15 months on balance transfers and 7.99% APR afterwards. And it lets you redeem points in the form of air travel, cash back, and merchandize among others. There are no blackout dates for air travel. The card has no annual fee and it doesn’t put a limit on the amount of points you can earn.
