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The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been around given that the conception of credit cards in the mid-1950s. These days silver cards have been surpassed in prestige by gold credit cards and platinum credit cards and so have far more generally come to be recognized as regular or basic credit cards.

Positive aspects of silver credit cards

The positive aspects that silver credit cards have more than other sorts of cards incorporate:

* lower annual membership charges (if any)

* decrease threshold salary which you need to earn if you want to apply

* the same credit limit as other credit cards if you have a very good credit history or manage your card sensibly

* % interest for in between six  9 months when transferring your account balance from one particular credit provider to an additional

The straightforward reality is, if you are not that fussed over the image you portray when you are out buying with your credit card, and are far more concerned with how you handle your credit card debit, then silver credit cards are undoubtedly far more favourable than any other credit cards on provide.

Disadvantages of silver credit cards

* lower money withdrawal limits

* less rewards in rewards promotion packages, such as a reduce percentage rate money back return with cash back credit cards or decrease airmiles with airmile credit cards

* much less travel perks  for example, if you have a gold or platinum card you may be entitled to automatic upgrades when travelling, but as there are far much more normal silver credit cardholders, it is unlikely this advantage will be afforded to you as properly

* less prestige, which might mean retailers are less willing to give you the identical service as they may possibly offer to gold and platinum cardholders. [http://www.ppiclaimback.co.uk/ppi-claims/ account]