Credit can be tricky. It's not something that everyone can handle easily. Thankfully, there are creative alternatives available to people who might need a little help understanding how it works. Of course, there are also people who simply prefer to not use credit but still need to have a reformed method of shopping.
It is sometimes intimidating to think about the responsibility of handling credit. Not everyone feels comfortable spending money that isn't in their account, not knowing if they'll be able to afford it later. Other people maybe got in a little over their head when they were much younger and so are apprehensive about credit in the present.
This is why companies like USA Credit have developed shopping clubs and financial products like the Prestige Plus Platinum card. It allows you shop online through the USA shopping club without the typical credit concerns, which is perfect for people who don't have credit, have credit problems, or simply don't want to deal with credit.
No Credit Worries
Shopping clubs allow you to buy some of the things that you need and want without having to worry about credit issues. The great thing about the Prestige Plus Platinum card from the USA Shopping Club is that it is not a credit card and so it does not carry all of the things that concern most credit customers:
- no annual fee
- No annual percentage rate (no interest)
- No minimum finance charges
- No transaction fees
- No fees for going over the limit
Lacking these fees means you are also without worry, and you get all of this with an online shopping club credit limit of as much as $25,000!
While shopping clubs often limit your ability to use credit (as it must be used in house) the Prestige Plus Platinum card from the USA Shopping Club also makes other benefits available to you with your membership. With the Elite service (which is available with a small monthly membership charge) you also get exclusive benefits from USA Credit like:
- USA Emergency Roadside Assistance
- USA Credit Care with Credit Report
- USA Prescription Discount Plan
As you can see, these three additional benefits are well worth the price because they are things that you can either use regularly or will appreciate having if the occasion arises.
The Prestige Plus Platinum card and the USA Shopping Club are part of the USA Credit family. It is not, however, associated with any major credit card company because it does not bear a Visa, MasterCard, Discover or any other symbol. What it does bear, though, is membership to an elite online shopping company that includes either:
- A basic membership with USA Credit Shopping Club Program (with a one-time activation fee)
- Elite service membership (with a small monthly maintenance charge)
Applying for a membership with USA Credit, in any capacity is very easy because they have a simple online interface that is easy to use. However, the process can be lengthy so to expedite the process here is everything that they could ask you for:
- Your full name
- Your full mailing/billing address
- Your email address
- Your phone number
- A secondary phone number
- Date of birth
- Preferred contact time
- If you have a checking or savings account
You should also know that in order to be approved for a USA Shopping Club Prestige Plus Platinum card you need to be at least 18 years of age, have a monthly income of at least $1,000 and the freedom of making a monthly payment of at least $250 a month. This estimated payment is based on the maximum credit limit of $25,000 and a factor of 10% for the payment. This means that you can expect your monthly payment to equal approximately 10% of your current balance at the end of every month.
Finally, you should know that there are some fees you should try to avoid:
- Late payment fee
- Returned check, ACH debit, credit card charge fee
- Inactivity fee
If you understand the benefits of credit but are concerned about the regulations you might want to look into something like the Prestige Plus Platinum card from the USA Shopping Club. You'll get all the shopping privileges with no credit check or interest rates.