USA Gold Credit Card

Navigation by Type

Business

Catalog

Charge

Secured

Student

Navigation by Issuer

Advanta

Chase

Columbus Bank and Trust

First USA

Four Oaks Bank & Trust Company

HSBC Bank Nevada, N.A.

USA Gold Credit Card

$5,000 Unsecured Gold Credit Line
No Credit Checked or Credit Turndowns
No Employment Verifications
Monthly Credit Limit Increases

Review: The USA Gold Credit Card, issued by USA Credit, is designed for those with poor to limited credit and are looking to establish or re-establish credit. Although the credit card does have a $149.95 account set-up fee, it is considered reasonable as compared to similar cards designed to establish credit, which can charge fees ranging anywhere between $200 and $400 for the first year of membership. In addition, this credit card has no annual fee, and no interest rate on purchases. Anyone who applies for the credit card will be accepted based on the issuer's "No Credit Check or Credit Turndowns" policy, though certain restrictions do apply (see website for details). Those who become active members of the credit card will be glad to know that transactions will be reported to a major credit bureau as an unsecured credit card. So what's the catch? The major drawback of the credit card is that it can only be used for retail purchases through the USA Credit sponsored website and catalogs. In essence, the credit card is a retail charge card that can only be used for selected purchases and/or services. However, this may or may not be a drawback for certain individuals. Therefore, those looking for a low cost option to establish or re-establish and do not require a credit card for general everyday purchases will find the USA Gold Credit Card to be more than adequate.

Date of Review: 2006-04-07 00:00:00

Notes: The credit line is reported to a major Credit Bureau. Must be at least 18 and a U.S. citizen or permanent resident (excluding Wisconsin), with an active checking account, a monthly household income of at least $800 and no undischarged bankruptcies. *No employment verifications. *Guaranteed approval. *No credit checks or turndowns. *Pre-Approved. *See website for terms and conditions.

Additional Perks: Free 30-day credit report access trial offer. *See website for additional benefits.

The information provided is believed to be accurate at the time of evaluation. We strongly advise viewers to review the terms and conditions provided by the card issuers to verify accuracy of the information posted prior to applying for the product. All credit card content is provided by NCSReporting.com, Inc.