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4 Quick Tips For Vanilla Credit Card | vanilla credit card

Vanilla credit cards have been around for many years and have their place in the overall credit card picture. A vanilla credit card is simply a basic credit card without any extras and no or few fees. While vanilla cards are typically the same everywhere, they each differ in the credit limit because of the card holder's creditworthiness. This can make them different from bank cards because they are more in line with the average person. Vanilla credit cards have had a solid history as a credit card type, and they still have room to grow and become even more valuable in the future.

Nowadays, many cards offer varying rates on their zero or low-interest status. This can make them more competitive. Many debit cards offer no interest on balance transfers for a specified time period. There are also a lot of companies offering zero interest on purchases for a specific period of time, which can be enticing if you are thinking about using the card a lot.

These no interest periods on some credit cards can end sooner than you may think. This is something to keep in mind. If you don't use the zero or low interest period, you could be hit with hefty late fees. Also, while you won't have as much interest to pay on your purchases, it will be harder to pay down your debt because of the added finance charges on your account. There are also some debit cards that charge a fee for the grace period; this too can be good if you want to take advantage of the 0% interest or low rate period but you should watch how much you are paying.

Vanilla credit cards usually come with no perks at all. They are just basic, nothing extra is added. Some cards, however, do offer a few different options; one of those perks is an emergency service feature that allows you to call your credit card company right away if you need them. This is great especially when you need cash right away. If you are the type who likes to call people on their cell phone, this feature may not be worth the money, especially if you don't have anyone to talk to.

There are other perks on some of these Vanilla cards. You can get approved for these cards faster than normal and sometimes, you will get approved without a credit check. If you don't have a checking or savings account, this might be a viable option for you. Otherwise, these cards are usually not worth it. If you don't have enough available credit to get approved for the standard type of credit cards, these are definitely a viable option.

Not all companies offer the same perks. In fact, some of the no frills cards can be very valuable depending on your spending habits. You need to take a look at your credit score to find out which type of card you should choose based on its perks. If your credit score is decent, then you should see the value in choosing the plain vanilla credit cards.

Another thing to consider is the rewards programs offered by each company. On the surface, these might seem like perks that you won't use, but once you start using them, you will see why the company chose to offer them plain vanilla credit cards. If you sign up for the rewards programs, you will be offered a point system in which you can earn points each time you use your card to buy something. The more you use them, the more points you receive. These rewards programs can end up saving you quite a bit of money if you make good use of them.

As mentioned above, the best way to find out which of the no frills credit cards offer the best perks is to look at your credit score. If it is above average, then you will be happy with most of the perks. If it is below average, then you will want to choose the no frills credit cards that offer the better perks, such as airline miles and cash back, rather than the no annual fee. Remember, if you are a student, you will also want to choose the plain vanilla credit cards.

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