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The lowest in the hierarchy of valuable metal named credit cards, silver credit cards have been around because the conception of credit cards in the mid-1950s. Right now 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 normal or basic credit cards.

Positive aspects of silver credit cards

The benefits that silver credit cards have more than other varieties of cards contain:

* decrease annual membership charges (if any)

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

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

* % interest for among 6  9 months when transferring your account balance from one credit provider to one more

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

Disadvantages of silver credit cards

* lower money withdrawal limits

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

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

* significantly less prestige, which could imply retailers are much less willing to give you the same service as they may possibly provide to gold and platinum cardholders. [http://www.ppiclaimback.co.uk/ppi/ making a ppi claim]