Rainy Day Credit, lets you choose credit cards for your credit type.Use our Credit Card Search |
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Choose credit cards for your credit type ....
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Choosing the wrong credit cards?
Yes, you could be choosing the wrong credit cards to apply for and not get approved for those cards because they don't fit your credit type. There are many types of credit cards that are marketed to consumers for their credit types. For example, credit cards with good credit terms and low interest rates are geared toward consumers who have perfect credit.
Consumers who have less than perfect credit, may only be approved for shopping cards or credit cards that help to rebuild credit by reporting good paying habits to credit bureaus. Knowing your credit type is important when applying and getting approved for credit cards. Don't know your credit type? If you consistently pay bills on time, chances are your credit is good. If you always make late payments on bills, your credit may be less than perfect.
Have you been turned down in the past for credit cards with good terms and low interest rates? If so, stop choosing the wrong credit cards. Less than perfect credit? Apply for cards that can report good paying habits so credit can be rebuilt over time. Using a credit card to rebuild credit is the number one way to rebuild less than perfect credit.
Credit card companies may offer several types of cards. These are Secured Cards, Regular Cards, and Premium Cards. Secured cards require a security deposit. These cards are usually for consumers who have less than perfect credit. Regular Cards may have higher credit limits than secured cards and do not require a security deposit. Unsecured cards like Gold, Platinum, or Titanium cards may offer higher credit limits and offer special perks, these cards require perfect credit. Applying for the wrong credit cards for your credit type may only get you turned down.
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