Le migliori carte di credito se il tuo punteggio FICO è compreso tra 650 e 699

Riepilogo delle migliori carte di credito se il tuo punteggio FICO è compreso tra 650 e 699

Nella tabella seguente, abbiamo riassunto le informazioni principali per ciascuna delle carte che abbiamo presentato come le migliori carte se il tuo punteggio FICO è compreso tra 650 e 699:

Come siamo arrivati ​​a questo elenco

Nell'elenco che presentiamo in questa guida, ci siamo concentrati sulle carte che richiedono punteggi di credito medi. Altre importanti caratteristiche delle carte che abbiamo considerato includono:

• Ricompense anticipate e continue/rimborso.
• Tariffa annuale bassa o nulla.
• Intervallo di tassi di interesse competitivo.
• Offrendo la possibilità di aumentare la tua linea di credito in base alla tua cronologia dei pagamenti.
• Altri vantaggi della carta.

Cos'è il credito medio?

Il credito medio in realtà fluttua da qualche parte nella zona non specificata tra il livello superiore del credito "equo" e l'estremità inferiore del credito "buono". In altre parole, tra 650 e 699.

Quando si tratta di carte di credito, il credito medio è molto soggettivo. Una società di carte di credito potrebbe considerarla da 675 a 724, mentre un'altra potrebbe decidere che sia da 640 a 679. Ma è sicuro dire che se cadi tra 650 e 699, sarai considerato un credito medio con la maggior parte delle banche.

Quali fattori influenzano il tuo punteggio di credito?

Il tuo punteggio di credito è composto da cinque fattori:cronologia dei pagamenti, importi dovuti, durata della storia creditizia, nuovo credito e mix di crediti. Quando sei nell'intervallo medio del punteggio di credito, il tuo punteggio di credito può essere influenzato da uno qualsiasi di questi cinque fattori. In effetti, la cronologia dei pagamenti potrebbe non essere nemmeno un grosso problema. Anche se la tua cronologia dei pagamenti è impeccabile, il tuo punteggio di credito può comunque scendere al di sotto di 700 se devi troppo sulle tue carte di credito o se hai troppo nuovo credito.

Come trovare le migliori carte di credito se il tuo punteggio FICO è da 650 a 699

Quando raggiungi un punteggio FICO compreso tra 650 e 699, le opzioni della tua carta di credito iniziano ad aprirsi notevolmente.

Un tipo di carta meno rilevante dopo aver raggiunto questo intervallo di punteggio di credito è una carta di credito protetta. Queste carte sono più adatte se il tuo punteggio di credito è inferiore a 650 e soprattutto quando è inferiore a 600.

Ma nell'intervallo medio del punteggio di credito, dovresti essere in grado di qualificarti per le carte non garantite con uno sforzo minimo. Quello che non troverai (ancora) a tua disposizione sono carte non garantite con le migliori condizioni sul mercato. Ad esempio, non ti qualificherai per i tassi di interesse più bassi, né potrai beneficiare delle carte con i programmi a premi più generosi. Ma puoi comunque ottenere una carta con un limite di credito adeguato e almeno alcuni premi in denaro. E se paghi mensilmente il saldo, come ti consiglieremo in questa guida, il tasso di interesse elevato non avrà molta importanza.

Le caratteristiche più importanti delle carte di credito se il tuo punteggio FICO è Tra 650 e 699

Acquistare carte di credito nell'intervallo del punteggio di credito medio è molto più divertente di quanto non lo sia se il tuo punteggio è inferiore alla media. Questo è l'intervallo in cui inizi a cercare in modo più selettivo i vantaggi offerti da una carta, piuttosto che accontentarti di qualsiasi carta per cui puoi qualificarti. Ecco i fattori che consideriamo più importanti in questo intervallo di punteggio di credito:

Tasso percentuale annuale (APR)

In questo intervallo di punteggio di credito, inizi a vedere tassi di interesse più bassi sulle carte di credito. Una carta può offrire dal 14,99% al 24,99%.

Detto questo, il modo migliore per evitare l'addebito degli interessi è assicurarsi di effettuare un pagamento mensile per intero prima della scadenza della fattura.

Tariffa annuale

There are more credit cards available in this credit score range that have either low or no annual fee. Naturally, you want to avoid an annual fee if you can. But if you’re at the lower end of the credit score range, it may be worth it to take a card with the fee, and use the credit line to improve your score. After you do, you’ll be eligible to apply for credit cards with no annual fee.

Introductory Offer

Lucrative welcome offers may start to pop up occasionally among credit cards for this credit score range. You may see them show up as bonus points or cash rewards for spending X amount within the first three months.

Another popular introductory offer — though not as common in this credit score range — is the 0% introductory offer. A credit card may offer this for the first 12 months or longer after your credit line is approved. It may be available for both balance transfers and purchases.

Credit Card Rewards

These are the ongoing rewards, like 1-1.5% cash back on standard purchases. Some credit cards may also offer you enhanced cash back rewards or points on certain spending categories. These categories usually change on a quarterly basis and can apply to gas, groceries, restaurant meals, or other spending categories.

Secured Vs. Unsecured Cards

Credit cards can be either secured or unsecured, though unsecured is by far the most common type. If your FICO score is 650 to 699, you will most likely get unsecured cards. But a brief discussion of secured cards is worthwhile, since it may apply to a few consumers in this credit score range who are unable to get unsecured cards.

Secured cards

Secured cards are just what the name implies. The amount of your credit line is typically based on the security deposit you put up. For example, if you make a $300 deposit, you’ll usually have a corresponding $300 credit limit.

Other than the security deposit, secured cards work just like unsecured cards. You run charges and make monthly payments. The payment history is reported to the major credit bureaus, which will impact your credit score. And even though there is a security deposit, you will still be charged interest on outstanding balances.

Secured cards often come with no annual fee or a very low one. Most will eventually increase your credit limit based on your on-time monthly payments. And some will convert your card to unsecured after a certain amount of time.

Unsecured cards

Naturally, no security deposit is required for unsecured cards. But the annual fee may be higher than it is for a secured card. The table below summarizes the difference between secured and unsecured credit cards:

Note:All cards on this page selected for credit scores between 650 and 699 are unsecured.

How to Properly Use a Credit Card for Average Credit

When you’re in the average credit score range, one of your main goals with any credit card should be to help you move into the good/excellent range. That will only happen with proper use of your credit card. Good practices include:

Pay Off your Balance Quickly and Regularly

In the average credit score range, it’s still very likely you’ll pay the maximum interest rate. If that interest rate is high, for example 24.99%, this will have obvious implications if you carry a balance. The interest rate will make having the card more expensive unless you diligently pay off the card balance in full each month.

Charge No More than you Can Easily Repay when the Bill Comes in

In order to be able to pay your balance in full each month, you should avoid charging more than you’ll be able to repay the next month. A credit card is not a blank check. No matter what the credit limit is, you need to set your own budget for that card. If the credit limit is $2,000, but you can afford to repay only $400 the following month, then $400 needs to be your credit limit.

Rewards can Lower the Cost of your Credit Card

One of the advantages of being in the 650 to 699 credit score range is that some cards offer rewards. If a card pays 1.5% cash back, and you charge an average of $500 per month, you’ll earn $7.50 per month or $90 per year. If you don’t carry a balance — and don’t pay interest — it’ll be like earning an extra $90 per year. What you earn in rewards/cash back will hopefully be enough to cover the annual fee, making the card essentially free to use.

Tips to Improve Your Credit

Improving your credit score is an important financial goal when you’re in the average credit score range. Moving your credit score to above 700 can bring you a lot of attractive credit offers. But to do that, you’ll have to successfully manage your credit card usage.

Monitor Your Credit Score from Now on

You don’t want to become obsessive about this, but you do need to have a general idea where your credit score is at any time. At a minimum, a serious negative change in your credit score can indicate either an error on your report or even fraudulent activity. Only by knowing what your credit score is on a regular basis will you be able to detect and deal with either situation.

Dispute Any Errors

One of the major purposes for monitoring your credit is to correct errors. If you monitor your credit on a monthly basis, you’ll detect those errors shortly after they happen. That’s important because you’ll have both better recollection of what really happened, as well as documentation. You’ll need both to correct the error.

If you do detect an error, contact the creditor immediately and dispute it. You’ll have to provide written documentation of your case. If the creditor agrees that the entry is an error, have them confirm that in writing. Also, request they report the corrected information to all three credit bureaus. Wait 30 days, then check your credit again.

If the information continues to appear on your credit report, mail a copy of the letter from the creditor to each of the credit bureaus, and request they correct the information.

Pay ALL Your Bills on Time

This should be completely obvious, but it bears repeating. A single late payment could drop your credit score 20 or 30 points. That can drop you from average to fair credit in a matter of weeks. It’s not just about repaying your creditors on time either. If you get behind with a utility company or a landlord, they may report the unpaid balance to the credit bureaus. That will also drop your credit score.

This is why it’s critical to pay all bills on time, all the time.

Pay Off Any Past Due Balances

If your credit report reflects any unpaid balances, pay them off. If you believe the balance to be an error, you’ll have to dispute it and provide written documentation of your claim. If you can’t, it’s best to pay it and be on your way. A paid collection or charge-off is always better for your credit score than an unpaid one.

Go Slow Applying for New Credit

Even once you get a credit card approved, you should let plenty of time pass before applying for another. At least six months is recommended.

Alternative Cards for People with Credit Scores Between 650 and 699

Alternative cards are less of an issue in the average credit score range than they are with fair or poor credit scores. But there may nonetheless be circumstances where you will want to have one or more of those alternative cards.

Debit Card

A debit card is basically a necessity these days because it gives you direct access to your bank account. It’s also an excellent way to manage your finances. You can’t spend any more than you have in your account, which puts a natural limit on spending. And if nothing else, having a debit card will reduce your dependence on your credit card. That will help to avoid running up your credit card balance.

A debit card doesn’t help you build credit

As valuable as debit cards are, their use is not reported to the credit bureaus. These are strictly financial management tools and not credit builder cards.

A debit card can help you manage your finances

This is probably the most important benefit of having a debit card. If you maintain your budget primarily through your checking account, the account balance will serve as a natural limit on your debit card spending.

Prepaid Cards

From a standpoint of having a credit card-like card, prepaid cards are usually not necessary if your credit score is at least 650. But they do have a purpose and may be worth considering.

How Do Prepaid Cards Work?

Prepaid cards are available everywhere these days. You buy a card by adding a certain amount of money to it. The amount of money you add is your spending limit. You’ll pay a small fee for the purchase of the card. You can then use the prepaid card the same way you would a credit or debit card.

You can add money to a prepaid card on an ongoing basis by recharging it, which will typically require the payment of a small fee each time.

The Benefits and Limitations of Prepaid Cards

The two biggest limitations of prepaid cards are:

• They do nothing to improve your credit score
• They have to constantly be recharged

But they have one benefit that’s not available with either credit cards or debit cards. When you use a prepaid card, it leaves no record of account information. That virtually eliminates the possibility of identity theft. They’re well-suited to making purchases online, or even in person with vendors you don’t entirely trust. You can make your purchase, and not have to worry about leaving a paper trail behind.

But the absence of a paper trail points to another disadvantage. Prepaid cards lack the type of buyer protection benefits available with debit cards and especially with credit cards.

Store Charge Cards

If your FICO score is 650 to 699 you shouldn’t have too much trouble getting general credit cards. But if the credit limit on your card is on the low side, you may want to supplement it with a store card.

How store cards work

Store cards are issued by individual merchants. You may have a credit card issued by Sears, JCPenney, Macy’s, or other retailers, but they’re not credit cards in the usual sense. They can only be used to charge purchases through that merchant. You will not be able to use the card to make other purchases, like groceries and gas.

Are store cards a good idea?

Store cards can make sense if you do a lot of business with the card’s issuing merchant. But they’re subject to all the limits of general credit cards. For example, you should avoid carrying a balance, as interest rates on store cards can be excessive.

The Advantages and Disadvantages of Debit, Prepaid, and Store Cards

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Compare More Recommended Credit Cards

Is your credit score not 650, 660, 670, 680, or 690? Find more top credit cards for your credit score (FICO score) range:

• Best Credit Cards for a Credit Score Over 750
• Best Credit Cards for a Credit Score Between 700 – 749
• Best Credit Cards for a Credit Score Between 600 – 649
• Best Credit Cards for a Credit Score Under 599

Petal credit cards are issued by WebBank, Member FDIC.

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