Good Credit Cards


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Good Credit Cards

Updated: September 27, 2018

The content is accurate at the time of publication and is subject to change.
Good Credit Cards

A line of credit, or the amount of money a borrower can receive from a lender, points out the reliability and value of the borrower. Usually, fat lines are available on good credit cards which require a solid payment history to qualify for. It means that unless you've been a responsible card user for at least five years, you cannot get a really good line of credit.

It is true - to qualify for good bank card you have to prove that you were responsible paying your previous bills. But what if you are young and have no payment history behind? Does it automatically make you a failure in applying for a good limit card with all the due benefits? The lending industry provides for such occasions and offers young adults a chance to gain some payment experience to grow eligibility for best credit cards available on the market.

The best way to prove your trustworthiness and ability to pay bills in full each month, or at least make minimum payments on a good credit card, is to apply for plastic at college. You shouldn't expect big lines on a student plastic because you are inexperienced yet in financial management. The bank calculates an adequate limit which is enough to make purchases but at the same time easy to keep track of. Even if you skip payments, the student card limit will not let you make unmanageable debt.

College time gives a great opportunity to achieve the level necessary to be approved for best credit cards straight after graduation. Following the basic rules of wise spending and building an attractive for lenders credit file, you can qualify for not only a good credit line but for major loans such as an auto loan or mortgage. What's required of you as a student? First, it is on-time payments, no matter full or minimum. The difference is the time you'll spend on paying off the balance. Second, it is rational spending. You'll hardly need anything more expensive than CDs, books or groceries while at college. So why overspend? Keeping the debt-to-limit ratio low will add more points to your credit score.

You should always keep in mind that student plastic is basically only a tool to get a low interest good credit line in the future. Banks will check up on the student payment records and make their lending decision based on your reliability proved at college.

If the history of responsible payments at college allows you to qualify for a good card, you get a substantial credit line and doubled benefits. Frequent flyer miles, gas and hotel rewards are often the standard perks offered by issuers looking to extend business with reliable and profitable customers.

Knowing about the bank's concern in your business, you can play the good card terms to your advantage by simply asking the issuer to improve them or finding another issuer through balance transfers.

Unlike it was in college where the bank itself initiated the application process and gave instant approval, you have to do shopping yourself. For this, go online and look through countless websites selling good plastic cards and giving advice on what's best to apply for.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Add to Favorites:
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.

Related Research:

Autumn 2018: Best Rewards Credit Cards for Thanksgiving Shopping

Autumn 2018: Best Rewards Credit Cards for Thanksgiving Shopping

Posted: November 8, 2018

Thanksgiving is coming, and whether you are hosting a meal or coming as a guest, your spendings are going to accumulate faster than you can notice. A holiday feast is a costly matter – each year Americans spend around $50 on a Thanksgiving ... Continue reading
The Best Credit Card for Earning Cash: Discover it® Cash Back

The Best Credit Card for Earning Cash: Discover it® Cash Back

Posted: November 2, 2018

You’ll have hundreds of dollars in your pocket in no time because you’ll earn money back on every purchase you make with this card. There are no restrictions on the amount of cash back you can get, and Discover even matches every penny you ... Continue reading
Top 5 Cards for Travel from Our Partners: Autumn 2018 – Expert’s Choice

Top 5 Cards for Travel from Our Partners: Autumn 2018 – Expert’s Choice

Posted: October 10, 2018

Nights are drawing out, the wind is colder every day and you already feel the lightest breath of winter on your face - autumn is here. Holidays are over, kids are back to school and all you are left with are hefty holiday bills that you ... Continue reading
You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!