Keeping your credit score in top shape is has many benefits. When your credit score is a pretty picture, the lenders treat you with utmost respect and are willing to offer you the best deals on loans. You can not only get best interest rates but also become eligible for credits cards and double your line card, among other things.  The thing with credit card is that it incites impulsive purchase, often leading to mounting debts that become huge over a period of time and unmanageable. If you have credit card dues, then make sure you at least pay the minimum amount every month to avoid being charged with late fees. Once your cards have been paid off, try to be more sensible in the future about your spending, rather than closing off the card. However, reaching a certain score and then maintaining it is tough work. You are walking a tight rope and a slight imbalance can throw you off in a bad way. But that doesn’t mean your credit score is beyond redemption.

There are not one but many proven ways to get your score in order.

Here are some ways to shape up that credit score.

If you want to establish a credit history, you need to have credit first. The best way to get started down that road is to apply for a credit card. If you are applying for the first time, the banks will be wary at first and may offer you a secured card. The banks may charge you higher interest rates or ask you to put down a deposit on your credit card until you prove that you are trustworthy. But don’t feel disheartened as this is all going to build up that credit score you are after.

You may not know this but credit score is impacted by the utilization of your credit card. You should never exceed 30% of your credit limit to keep your credit score under check. The best thing would be to stay under 30% to keep your score at a better level. To increase your score at a quicker pace, make a small purchase on your credit card and immediately pay it off.

Never fail to pay your credit card in full each month and within the time period. Late fees attract penalties in the form of lower credit score. Never use your credit card to buy something you will not be able to pay off in full the following month. Paying minimum due is no good because you will only end up paying an interest, without helping your credit score.

Having a good credit score is essential for all the times you would need to apply for loans. You cannot ask for good prepayment terms unless your credit history is strong.

My Citi

• The My Citi service lets customers who have either a credit card, lending, investing, or banking account with Citi logon to manage their account online any time of day
• This is a FREE service for all Citi Bank account holders
• From time to time the My Citi home page will have a promotional credit card offer
• Customers who get a new Citi bank account or investing account need to set up their account online, and the only thing they need to do that is their Citi account number

Depending on what sort of benefits they’re looking for, customers can sign up for a Citi Private Pass card that gives them access to special ticket presales, concert and show VIP packages, plus the best music and sports tickets available. The Citi Diamond Preferred card has the lowest available introductory APR (for 21 months) on balance transfers and purchases made during that time than any Citi card on the market. For frequent flyers, the Citi AAdvantage Platinum Select World Elite Mastercard provides priority group 1 boarding and first checked bag free on all American Airlines flights, plus an extra 50,000 American Airlines AAdvantage bonus miles after the first qualifying purchases are made. In order to activate a Citi card for the first time (and make that card available to use), customers will need to have their card in hand, and will need to enter their 16 digit Citi account number for activation.

How to reset a Citi online password or user name

Citi card customers who have forgotten their online password can set up a new one, but they will need to have their credit card or ATM/debit card to make this change. Citi mortgage customers who don’t remember their password and need to set up a new one (and who do not also have a Citi banking or investing account) can use their e-mail address to locate their User ID and set up a new password.

To contact Citi about online account access

• Dial a My Citi Login account agent at 1-800-374-9700

Primary references
myciti.com

Chase Mary Kay

• Customers who have a Mary Kay Rewards credit card from Chase can log on to manage their credit card account, including making a payment, viewing their current rewards balance, and finding their transactions
• Mary Kay Rewards credit card holders can earn a $50 cash back bonus after they spend $500 on purchases in their first 3 months from account the opening
• This card is ideal for women who enjoy Mark Kay products

For people who actively have a Mary Kay business and have the rewards credit card, they can earn 1% cash back rewards (up to $60,000 each year) on office purchases like supplies, postage, meals for business clients and associated, and any travel expenses related to a Mary Kay business. Once a cardholder earns statement credits on their Mary Kay rewards card, it usually takes about 6 to 8 weeks for those transactions to post to the account. An account must be active and not in default at the time of fulfillment. Just being a Mary Kay business owner doesn’t guarantee that someone will be accepted for a Chase Mary Kay rewards credit card, as that’s based on the applicant’s overall credit profile. For the first 12 months, the Mary Kay Rewards credit card has a 0% ARP on all purchases. The Mary Kay Rewards credit card sponsored by Chase Bank is the very best rewards credit card for anyone who works with their own Mary Kay business or just someone who is a big fan of Mary Kay and purchases product often.

What does the Mary Kay 3% Rewards Card apply to?

Fans of Mary Kay can benefit most from the MK Rewards credit card thanks to the 3% cash back offer that applies to Mary Kay products, the Mary Kay Preferred Customer Program, any MK Connection purchases, and Mary Kay event registration fees.

To contact Chase about a Mary Kay rewards credit card

• Chase Card Services, P.O. Box 15298, Wilmington, DE 19850
• 1-800-432-3117

Primary references

1. www.chase.com/marykay

Alaska Visa Now

• The Alaska Visa Now credit card miles offer lets customers who sign up for a new credit card earn free airline miles for applying, and free miles for every purchase they make
• Customers will not receive miles in the Alaska Visa Now offer just for applying, but will receive miles once they’re approved and begin using their card
• Airline miles earned through the Alaska Visa Now program will be applied to the customer’s account within 30 days of approval, and will remain in that account for up to 5 years

Once approved, people who get the Alaska Visa Now credit card and make $1,000 of purchases within the first 30 days will receive 30,000 miles to use on over a dozen different airlines. To get started with an Alaska Visa Now credit card application and redeem the free airline miles offer, customers will need to enter their Personal Secure Code that’s printed on their application invitation and their ZIP code. Customers who do not have their Personal Secure Code or want to apply without an invitation can call 1.888.924.7343. The Alaska Visa now credit card does have a $75 annual fee for Visa Signature accounts and a $50 annual fee for Visa Platinum Plus accounts. Global Traveler Magazine has voted this card the top frequent flyer credit card for several years in a row since 2012. Please note the Alaska Visa now credit card offer is designed for consumers with good to great credit and consumers with less than stellar credit should opt for a secured or unsecured credit card.

How are miles earned on the Alaska Visa Now credit card?

Alaska Visa Now credit card holders can earn up to 5 miles for every $1 spent using Mileage Plan Dining, 3 miles for every $1 spent on Alaska Airlines vacations, ticket packages, in flight purchases and other upgrades, and 1 mile for every $1 spent on all other purchases (the card is accepted anywhere Visa is taken).

• Once on the flight, Alaska Visa now cardholders get a free checked bag for up to six passengers on their reservation
• To contact Bank of America about the Alaska Visa Now credit card 800.932.2775

Primary References

1. www.alaskavisanow.com

4NT6D2

• 4nt6d2.com lets customers complete the application process for a Credit One credit card after they have received a notice in the mail or through e-mail
• To finish a Credit One preapproval, customers will need to enter their Social Security number and their preapproval code and click the “Continue” button where they’re answer a few basic financial questions
• Customers who have already submitted a Credit One preapproval can log on to check the status of their application in real time, and see how far their application is from receiving final approval from Credit One

The 4nt6d2 service is set up for customers who have been preapproved for a credit card from Credit One to proceed with their pre-approval application. A pre-approval from Credit One is an offer to apply for a credit card from Credit One based on a customer’s financial profile. Preapproval from Credit One doesn’t necessarily mean that a customer will receive final approval for a Credit One card. If a customer reapplies within 24 hours of their initial Credit One application, their first credit report will be used (after 24 hours, a new credit report will be obtained). A customer who has not received a pre-approval from Credit One can still apply to receive early qualification for a credit card by clicking on the appropriate link on the CO service.

More to Know About Credit One

With their corporate headquarters located in Las Vegas, NV Credit One Bank is one of the largest issuers of credit cards in the United States, handling more than 6 million credit card holder accounts across the United States. Credit One Bank actually began in 1984 as a bank called First National Bank of Marin, which operated in San Rafael, California.

• Credit One’s annual revenue is right at $374 million

To contact Credit One about pre approval for a credit card

• 1 (877) 825-3242
• 585 E Pilot Rd, Las Vegas, NV 89119

Primary references

1. www,4nt6d2.com