USA Optimum Gold Merchandise Credit Card
Details
- Guaranteed Instant Online Approval!
- $5000 Unsecured Gold Merchandise Credit Line!
- NO Credit Checks or Credit Turndowns!
- NO Employment Verifications!
- Upon request, credit limits increases are available to those that qualify.
- Establish Credit by Reporting to Major Credit Bureau!
- Receive a *Free $50 Gift Card!
- After enrolling you'll receive a $300 Grocery Coupon Card

(3.5 out of 5.0)

Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
N/A*
Annual Fee:
N/A*
Issuer:
First USA
Card Network:
Other Networks
Card Category:
Consumer (Shopping)
Card Type:
Guaranteed Approval
Shopping Card
Reward Card
Credit Needed:
Accepts All*
Grace Period:
N/A*
Max Credit Line:
$5,000
Late Payment Fee:
$10.00*

Balance Transfers

Balance Transfer:
No

Other Fees

Additional Fees
  Elite service monthly fee - $19.95
Membership fee - $149.95
Retured checks fee - $20.00
See Terms and Conditions* -

Comments

*Guaranteed Approval Qualifications:
- You must be 18 years of age
- You must be either a U.S. Citizen or Permanent Resident (Offer Not Available to Residents of Wisconsin)
- You must have no undischarged bankruptcies.

Review by

USA Optimum Gold Merchandise Credit Card is intended for consumers having limited or bad credit with the need to build or rebuild credit over time. Card members can use this card as a way of rebuilding credit as the issuers report to all 3 major credit bureaus.

This card doesn't come on a common card network and members are restricted to purchasing from retailers on the USA Credit website and applicable catalogs. No annual fee is charged but card members may be subject to a monthly participation fee.

Online account access gives unrestricted access to the card account for members to check outstanding credit balance, card expenses, charges and relating transactions.

Features

Most attractive:
- 100% Approval
- Credit Reporting
- High Unsecured line of credit
Least attractive:
- Membership fee
- Limited use

Benefits

Other Benefits:
- USA Emergency Roadside Assistance
- Medco Health Prescription Card
- Credit Manager with FREE Credit Report
- $300 Grocery Coupon Card
Online Access:
Yes!
100% Guarantee Approval:
Yes!
Credit Reporting:
Yes

The information provided for USA Optimum Gold Merchandise Credit Card is believed to be accurate at the time of evaluation (Oct 22, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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