Infrequent Users
There are several kinds of credit card users here. There are people who don’t like the system of credit cards or even understand them at all, but yet it is a very important tool to be familiar with. They stick to cash or debit cards for their purchases. Some people also save credit cards for when emergencies arise. Day to day expenses is paid by other means. Finally, people may not qualify for credit cards with acceptable terms, or they have had problems with these cards in the past.
The advantage of this approach is its simplicity. You don’t really have to worry about payments every month or having a deep understanding of the fine print of the credit card contracts. For people who have an emergency-only card, they have the peace of mind that they can charge a sizeable amount if need be since there’s no current debt on it.
However, this approach has some drawbacks. These credit card users will most likely have low credit scores, which then increases the difficulty in buying a house or even a car. People who don’t have a credit card at all are also missing a financial buffer if something happens.
Three Strategies for Credit Card Use
People don’t always stay in the same category as credit card users. If one strategy isn’t working well for them, for instance, if they get tired of paying off high-interest minimums every month, they can learn from one of the other groups. Users can also do things to improve their credit rating if they don’t yet qualify for the card or plan that they want. Just like many good things in life, having a credit card and building good habits will bring you great joy.
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Bad Credit Cards
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- Credit Recommended
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Upgrade Cash Rewards Visa®
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*See Card for Terms and Conditions
Surge® Platinum Mastercard®
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- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Regular APR
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- Return Payment Fee
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- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
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- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
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- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
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- Credit Recommended
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- Regular APR
- 35.90% Fixed
- Annual Fee
- See terms
- Return Payment Fee
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Applied Bank® Unsecured Classic Visa® Card
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- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
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- 29.24% (variable)
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- See website for Details*
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- See website for Details*
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- See website for Details*
- Annual Fee
- See website for Details*
