How To Obtain And Maintain A Good Credit Rating
Credit card companies “reward” those with good credit. Because they know you have a solid payment history they will offer you more perks, a lower APR, platinum privileges and lots more. The cards featured above are the best of the best and are designed for those with good credit. In determining the best offers that fit your rating, we've done the research for you. But it's up to you to maintain your good credit in order to stay in favor of these exceptional card benefits.

The importance of maintaining your good credit...it continually reflects what your credit card can do for you
Have you ever tried to rent a car or book a flight without a credit card? Good credit is established after a consumer takes out a loan and shows prompt and responsible spending and payment history. It is also critical to maintain a checking account in good standing. Many businesses and banks are now reporting bad checks to credit bureaus. Once you have established a good credit history maintaining it is key.

Credit is almost impossible to live without and having good credit can be your most valuable asset. Good credit offers you freedom to pick and choose which credit card offer best suit your needs. Take careful consideration when choosing a credit card, be an informed consumer and shop here for the best credit card offers available industry-wide.

Once you have established good credit it is imperative that you protect it
Why?...it will help you maintain your interest rate, balance transfer rate, card perks and benefits. Failure to maintain your good credit will adversely affect your cards' features and interest rate.

Simple tips that will keep you in good favor with your Bank or Credit Card Company
1. Pay what you owe on time
Always pay at least your Total Minimum Due. Your payment should be received by the creditor on, or before, the due date to keep your account in good standing. Don't skip any payments.

2. Stay within your credit limit
Leave a "credit cushion" for emergencies so that you always remain under your credit limit. Keep track of your spending and ensure your statement is correct by saving your receipts. Notify the credit card issuer of any discrepancies immediately. Maintaining your statement is in your "best interest".

3. Avoid rate Increases and Fees
• Use FREE Auto Bill Pay
• Set your payments for the full statement balance or minimum monthly payment.
• Choose the bank account from which you wish to make your automatic payment.
• Select the payment due date that works best for you.
• Use FREE Paperless Statements
• View statements from the secure website in the same format as your current paper statement.
• Sign up for paperless statements and view up to six years of statements online.
• E-mail notifications when your current statement is ready.

4. Use FREE e-mail Alerts
• Customized reminders to notify you of your available credit or current balance.
• Alerts when your payment is due, a payment has been posted to your account, or no payment has been received.

5. Use FREE Online Bill Pay
• Log on and pay your credit card bill online anytime.
• Our secure payment center is available 24 hours a day, seven days a week.
• There's never a fee for payments made within normal bill processing hours.

6. Follow these easy tips
• Just remember this advice to keep your credit in good standing:
• Pay at least your minimum balance every month.
• Keep your balance below your credit line at all times.

7. You can get all these FREE tools to avoid rate increases and fees.
For our valued CardMembers...Sign up for online account management tools to keep your credit in good standing and free of penalty fees. It's fast, convenient, secure, and FREE.

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Richard Goldman, Senior Analyst, Frankford Financial ©2008