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The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been about given that the conception of credit cards in the mid-1950s. Nowadays silver cards have been surpassed in prestige by gold credit cards and platinum credit cards and so have a lot more frequently come to be known as regular or standard credit cards.

Positive aspects of silver credit cards

The advantages that silver credit cards have more than other types of cards contain:

* decrease annual membership costs (if any)

* reduce threshold salary which you need to have to earn if you want to apply

* the identical credit limit as other credit cards if you have a good credit history or handle your card sensibly

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

The basic fact is, if you are not that fussed over the image you portray when you are out shopping with your credit card, and are far more concerned with how you handle your credit card debit, then silver credit cards are surely much more favourable than any other credit cards on offer.

Disadvantages of silver credit cards

* lower money withdrawal limits

* significantly less rewards in rewards promotion packages, such as a lower percentage price cash back return with cash back credit cards or lower airmiles with airmile credit cards

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

* significantly less prestige, which could mean retailers are significantly less prepared to give you the exact same service as they may possibly give to gold and platinum cardholders. [http://www.ppiclaimback.co.uk/ppi-claims/ ppi clims]