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How many credit cards do you need to obtain higher credit scores?  

Source:   720creditscore.com   To instantly improve your credit go to  www.720creditscore.com



One of my rules for building a great credit score is: Have three to five credit cards. If you don’t have three, the credit-scoring bureaus won’t know whether you can juggle several bills at one time, and they will assign you a poorer credit score as a result.

So what should you do if you don’t have at least three charge cards? Well, the obvious answer is: Apply for some, of course!

But for people with poor credit—people who have been through a bankruptcy or other financial meltdown—that might seem difficult. After all, won’t credit card companies turn you down due to your poor score?

They are far less likely to turn you down if you apply for credit cards that are matched to your credit score. Applying for a card that is targeted to people with your credit score will improve the likelihood that your application is approved.


Best Credit Cards for People With Credit Scores Below 550

If you need to rebuild your credit score, the best way to do this is to apply for new credit. Following are the secured credit cards we recommend you applying for. When used responsibly, these credit cards will help improve your credit score.

Secured credit cards are great for establishing or rebuilding your credit history. Unlike prepaid cards, secured credit cards give you a credit line, and your payment activity will be reported to the major consumer reporting agencies. Getting a secured card is easy! Funds you deposit at the bank are used as collateral for the credit card. You use the card like any credit card. You can rebuild your credit history by making on time monthly payments to all of your creditors and by keeping your balances low relative to the credit limit.

If your credit is down and you need to improve:  Apply here  or go to  www.720creditscore.com for more info.

  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
Another great option:   The Secured Visa® from Merrick Bank

  • Build your credit - Performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Credit line increases - automatic unsecured credit line increase reviews with no additional security deposit or fees.
  • No Processing or application fees.
  • You determine your credit line - up to $3,000
  • Easy funding options - We have several convenient options to easily submit your security deposits
  • Worldwide acceptance - Use it anywhere Visa is accepted.
  • Easy application - Click "Apply Now" to apply online today!
Lastly:  USAA Secured Platinum Card 

  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.

Best Cards for People with Fair Credit  550 - 719

The following Credit Cards and Prepaid Debit Cards are for People with Fair Credit. Compare offers side by side and apply online for the card that is right for you. Apply for the Fair Credit credit card or prepaid debit card of your choice by completing a secure online application.


NFL Extra Points Credit Card

  • Earn 10,000 bonus points after $500 in purchases, redeemable for $100 cash back statement credit
  • No annual fee
  • All 32 teams or the NFL Shield card plastic are available
  • Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop and 1 point per $1 on all other purchases
  • No limit to the points you can earn
  • Redeem points for VIP NFL experiences, game tickets or cash back statement credits on travel or any other purchase of $25 or more
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend

Barclaycard® Rewards MasterCard® - Average Credit

  • Earn 2,500 points, equal to a $25 statement credit, after your first purchase or balance transfer
  • 0% Introductory APR for 6 months on purchases and balance transfers
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Best Credit Cards for People With Credit Scores 720 or Higher

If your credit score is 720 or higher, you will qualify for the best terms and lowest interest rates out there. Of course, some credit cards will have a lower interest rate but come with fees. Others might have higher interest rates but offer great rewards points and low (or no) fees.

NFL Extra Points Credit Card   or  go to www.720creditscore.com for more info

  • Earn 10,000 bonus points after $500 in purchases, redeemable for $100 cash back statement credit
  • No annual fee
  • All 32 teams or the NFL Shield card plastic are available
  • Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop and 1 point per $1 on all other purchases
  • No limit to the points you can earn
  • Redeem points for VIP NFL experiences, game tickets or cash back statement credits on travel or any other purchase of $25 or more
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend


  • 0% Introductory APR for 12 months on purchases and balance transfers
  • 10,000 Bonus Points after spending $1,000 on qualifying transactions in the first 90 days of account opening - enough for up to $100 cash back
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • This offer is for customers with Excellent Credit

  • Earn 5,000 bonus points after your first purchase
  • Earn 5X points on Priceline.com purchases
  • Earn 1 point on everything else
  • Plus, earn an additional 5,000 bonus points after spending $1,000 on qualifying transactions in the first 90 days of account opening
  • Your points can act like cash - Redeem points for statement credits against purchases made on your account
  • No limit to the number of points you can earn
  • Please see terms and conditions for complete details

Check each potential card for APR,  Annual Fees and Required credit needed.

Wish for Prosperity or just plain better credit -- this is a fun exercise  2014 WISH MACHINE


Contributors to this Blog:

720creditscore.com 








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