USA Platinum Credit Card

$7,500 Unsecured Platinum Credit Line Unlimited Free Access To Credit Report for 30 Days *Guaranteed Approval Monthly Credit History Reported To A Credit Bureau

Review: The USA Platinum Credit Card, issued by USA Credit, is designed for those with poor to limited credit who 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, many of 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 this credit card will be accepted, based on their "No Credit Check or Credit Turndowns" policy, although certain restrictions do apply (*See website for terms and conditions). Those who become active members of the credit card will be glad to know that the credit line is reported to a major credit bureau. 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 Shop Smart sponsored website (www.usashoppingclub.com) and catalogs. In essence, the credit card is a retail charge card that can only be used for select products. However, this may or may not be a drawback for certain members. Therefore, those who are looking for a low cost option to establish or re-establish credit and do not require a credit card for general everyday purchases may find the USA Platinum Credit Card to be a suitable option.

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.