The Unique Platinum card gives individuals, regardless of credit class, the opportunity to use credit to acquire merchandise without having to pay interest. Unlike the traditional credit card, cardholders spend their available credit in an online outlet that has a little bit of everything and 100 percent of their payments go toward their account balance rather than APR.
The fact that all of a person's payment goes toward their balance is a very important feature of the Unique Platinum Card. Unlike the traditional credit card, there is no APR. This is important when considering this card because this means the only thing that is being deducted from the account is a small monthly service charge for having the account.
But when looking at everything the card has to offer, the service charge does make sense. In addition to being able to purchase name brand merchandise at reasonable prices, cardholders have access to 24/7 roadside assistance, legal assistance, and daily deals discounts.
The roadside assistance takes care of you if you break down for one of many reasons. Perhaps you need gasoline or another fluid put in your car, you need towed, you need a tire change, or maybe you need a jump start. Then again, you may do what many individuals do every day and that's lock your keys in the car at the most inconvenient time. If that's the case, you can call the roadside assistance number and a locksmith will be sent your way.
The legal assistance service is one that can save you a lot of money when needing a lawyer. You can receive free phone and face-to-face consultations with no time limit on all new legal matters, have documents of up to 6 page reviewed, receive help when needing representation in small claims court, and you can plan for your family's future by establishing your Will and having it updated annually for free. If you have an issue with a government program, you can receive assistance there as well.
The last perk is the Daily Deal Discounts. This is a program that gives you the opportunity to receive discounts in thousands of cities all over the world. The discounts are personalized to your needs and interests and there is a mobile application to help you find the deals.
How It Works
How the Unique Platinum works is rather simple. Once you acquire the card, you can shop in the online outlet called My Unique Outlet. It is unique in that it contains well-known merchandise. Actually, it is home to a little bit of everything, taking away the need to browse around multiple sites on the Internet. Instead, you can sit in the comfort of your home and browse the store, finding the things that you want and need for your home, business, children, car, and much more.
Once you find what you are looking for and you add it to your shopping card, you check out with your card. You are given a rather significant credit limit when the account is established, so many of the items can be purchased with the card alone. If you do need to use an alternative payment method to cover the entire balance, you can do so by using a Visa or MasterCard. This flexibility allows you to buy what you need when you need it and have it delivered to your doorstep.
After you have made your purchase, you then make a minimum monthly payment to pay down your balance. You can check this balance in your online account to see how you're doing. You can also make your payments online. Any time there is available credit, you can use it in all or part in the online store. If you wish to pay down your card and save it for the holidays or you just want to leave it open for when you really need it, you can do so. There is just one fee that is subtracted from the account on a monthly basis and it is a benefit services fee. It is automatically deducted from the account each month. In addition to the initial membership fee, there are no other fees to worry about.
The only other time you have to be concerned about a fee is if your payment is late and a late fee is imposed or when a check or payment is returned. There are no minimum finance charges, no over the limit fees since the card cannot be used for more money than what is on it to spend. In other words, it is a card that is straightforward and worry-free, making it a merchandise line of credit that really is unique.
The last thing you want is for there to be fraudulent charges on your account. While fraud is not something that happens often with this type of card, it does happen. Perhaps the security of your computer was compromised and a hacker was able to acquire your account number while you were shopping. Then again, your home could have been broken into or you kept the card in your wallet and lost it. There are many reasons why fraud occurs, but Unique Platinum will fully cooperate with law enforcement agencies when a person is being pursued for the unauthorized use of your information. The company will also work with you to reach a satisfactory outcome with your account.
Although the card does not have the Visa or MasterCard logo on it, that doesn't mean that on-time payments are not reported to at least one credit reporting agency. This is a card that anyone of any credit class can enjoy. With there being no APR, it is an affordable card to own and this fact makes it beneficial in the way of credit reporting.
If you make your payments on time, then you can count on these payments being reported. This can be beneficial for individuals who have been turned down for credit again and again. It is also beneficial for those with excellent credit statuses. It is a win/win for everyone. You receive the merchandise you want without having to pay interest and your on-time payments are reported on your credit report.
Overall, the Unique Platinum card is a way in which individuals of all credit classes can enjoy exclusive merchandise deals without the APR and without hefty fees. In addition to the buying power that is given, there are the money saving programs that make being a member enjoyable.