The best credit card companies offer excellent products for people with fair credit scores. The credit scores of people with fair credit is not bad enough for their credit card applications to be rejected outright; simultaneously, it is not good enough for those excellent low interest credit card products meant exclusively for high credit score people.

Is there really such a thing as the perfect credit card? That is debatable, it may be that even the likes of Bill Gates feel the need to complain once in a while about the interest rates on his plutonium credit cards or difficulties with cashing in rewards.

If you know that your credit rating is not very good – that you fall into the fair credit score category with a score of between 600 and 660 – you probably also know that getting an unsecured credit card may be no easy feat.

If your credit score falls into the fair category – somewhere between 600 and 660 – it is a little harder to get good credit card, but it is far from impossible.

If you have excellent credit then you are likely to find yourself offered all kinds of credit cards that reflect that preferred status.

You can apply for most credit cards online these days but often even though the application only took a few minutes to complete you are still left waiting for a week or so to find out whether or not you are approved.

A great many people have what is termed “fair credit”. Fair credit essentially means that a person is relatively good credit risk for lenders but there have been some “blips” on their payment history – a few missed payments, a late payment here and there, or they are simply too young to have built up a more extensive credit profile to achieve a higher score.

There are many different kinds of rewards available that come attached to various credit cards and what kinds of rewards are going to be most appealing, and most helpful, to you is certainly something that you need to take into consideration when deciding which credit card to apply for.

If you are the type of person who pays off their credit card balances every month and makes that payment right on time there is really no need to worry about finding a credit card with a lower APR because interest really is not an issue for you.

You would naturally expect that those who have an excellent credit rating will be rewarded with higher credit limits than anyone else could expect to be granted by a credit card company.

Unfortunately if your current credit score falls into the range that is considered to be “fair credit” you will not have access to the lowest rates of interest when it comes to credit cards but that does not have to mean that in order to get a credit card, which will, if used responsibly, help build up your credit rating you have to pay ridiculously high rates of interest.

Maintaining a good credit score is not easy. Just a single late payment can instantly shave points off your credit score as can a debt to income rate that suddenly increases.

Just by the definition you can tell that most Americans have average credit. But just how does that break down in terms of those all important credit score numbers?

Having an excellent credit score has a number of advantages such as credit cards and loans at low interests. In fact, you can use your high credit score to save a lot of money whenever you purchases services and products.

For people who have stellar credit, finding credit cards is easy. You simply go to your favorite banking institution and demand their best credit card at their best terms. You will likely receive it. People who have excellent credit ratings can pretty much get cards from wherever they like and get the best possible credit card terms.