A Swoosh Account is just what it sounds like. They are credit cards issued from major retailers that give you cash back if you use them at one of their locations. The concept is quite unique because it allows you to build your credit history and build your credit rating while getting rewards. Retailers like Target, Wal-Mart, K-Mart and even groceries benefit from having a high volume of people using these cards so they can increase their sales.
In order to use this type of card, you will need to be at least 18 years old and have a valid social security card. These cards are not widely advertised, but if you look for them in any retail store, you will find they will come with an application form. To qualify for a Swoosh account you will need to pay an application fee that may be as low as $25 dollars or you may have to pay up to three times that amount. Once you are approved for the cash you receive can be applied to your card balance by making monthly payments.
Since there are no annual fees the interest rates on these cards are very low. The best part is that once you have paid off your balance completely you will be able to apply for another one and start earning points towards a higher credit limit. If you decide to continue with them all you need to do is make the payments on time each month. It's as easy as that. The only real downside to these cards is that the cards require a lot more out of your bank account in order to be able to earn rewards. This may be a drawback if you don't have the extra funds to pay for a larger purchase.
Credit cards that offer cash back rewards have also been popular among consumers who have been making payments on time or even late. When you are reported to the credit bureaus as being delinquent it hurts your credit history. By using these cards you are proving that you are responsible and diligent about meeting your obligations. You can also earn points towards having a higher credit limit. Rewards programs such as these allow consumers to build a good credit history.
Another type of credit card that offers rewards is called the Preferred Provider Network (PPN). The benefits of owning a PPN are that you are assigned to a preferred credit card partner which allows you to get better pricing on the PPN, and your spending is limited to those products/services provided by your PPN partner. With these benefits it's easy to see why this is becoming so popular. Most credit cards will reward consumers with air miles, cash back, or merchandise for making their purchases with them.
These are the best available options currently available on the market for consumers who are looking for credit cards with rewards. There are many other benefits such as lower interest rates, as well as no annual fee and no finance charges. Consumers are able to take advantage of these great deals by finding the right credit card for their needs. Researching and comparing all of the available cards is the key to finding the right one for your personal needs. The right credit card can help build your credit history and give you the power it takes to make purchases you can afford.
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