Revolving debtors are out. Prime borrowers are in. Credit card companies are after the FICO elite showcasing scores at 750 or higher. Even creditors with a subprime status of at least 700 will catch the eyes of lenders. As banks become disinterested in lower class chargers, what are the trademarks of the credit card elite?

They charge thousands each month. The credit card elite stick to one or two straightforward credit cards that offer great cash back incentives on everyday expenses like food, travel and gas, such as Capitol One’s No Hassle Miles card. The elite stay within their monthly budget – they just strategize how to make some of their money back.

The balance is always paid in full. Prime borrowers pay their balances before the bill ink is even dry. They also keeping close tabs on their credit card activity and due dates by accessing accounts through the Internet.

They spend less than they make. You don’t have to have a huge income to become part of the credit upper class. Nor do you need to have Visa’s Black Card as your main form of plastic. Of course, there are more prestigious cards that can get you into fancy restaurants or hotels, but the secret is to keep your flash under wraps.

They won’t stand for annual fees on cards. The elite won’t allow for any usual changes, such as a rate increase or questionable fees, to just show up on their statements. The credit worthy call up customer service and remind the bank of their good reputation. And if they don’t get what they want, the elite transfer their business to another bank or card.