Credit Card Review & Application
- Up to $350 initial unsecured credit line. Available credit lines can grow up to $1500.00 with on time payments.
- This is a REAL credit card!
- Immediate credit to purchase GAS (and other things) at over 850 stations near you!
- Credit when and where you need it! Poor and limited credit history accepted.
- Cash advances available when you are running a little short!*
- Positive payment history is reported to credit agencies monthly and could improve your credit options in the future.
|APR on Purchases:||0.00% (fixed)*|
|Card Issuer:||Other Issuers|
|Card Network:||Other Networks|
|Card Category:||Consumer (Shopping)|
|Card Type:||- Card for Bad Credit|
- Guaranteed Approval
- Shopping Card
- Reward Card
|Credit Needed:||Accepts All*|
Fuel It Plus is a unique type of shopping card. It is not typical in that it gives control over spending by being able to be used at over 1,000 retailers. It is ideal for emergency situations and eliminates the need to write checks when the funds aren't available, take on payday loans, or even borrow money from the bank. Many times, an emergency situation only requires a specific item that costs a small amount of money, so there is no need to borrow more money than the situation requires.
To apply for this card, all you have to do is fill out the fast online application. You provide your name and contact information, specify whether or not you have a checking account, state whether or not you are in the military, and if you would like to receive a free credit consultation from one of the partners. You then acknowledge that you are 18 years of age or older and that you are a U.S. resident. You also certify that you understand that your information could be shared with partners. After that, you continue the process and simply follow the prompts.
If you decide later that you do not want your information to be shared, you can specify in writing. You can state that you do not want creditworthiness shared with partners and that you don't want any information shared with non-partners. This gives you more control over your privacy.
When you are approved for the card, you will be given a small credit limit that is sufficient enough to take care of situations that you may encounter that requires you to have emergency cash. From there, you can pay off your balances and establish a good history.
When you make purchases with the card at participating retailers, there is a service fee that is a percentage of each transaction. When you keep your account in good standing, the percentage will decrease and that means paying less money per transaction. Another incentive to keeping the account in good standing is the increase in the credit limit. Having more spending power will give you the peace of mind that you need that you will have enough in funds to take care of any situation that comes about.
As for other costs related to the card, there is a small application fee. This application fee is comparable to the fees that are charged for prepaid cards, but this is not a prepaid card. Other than the service fee per transaction, there are no other fees associated with the use of the card. There are, however, penalty fees. For instance, there is a late fee if a payment is made late. There is also a returned payment fee if a payment is made and it is returned due to insufficient funds. If insufficient funds lead to a late payment, then both fees could be charged to the account.
Another fee to be aware of is the delayed payment fee. If you are in a situation where your due date is not working well for you, you can have it moved. If there is a current payment due and you move your due date, then you will need to pay the delayed payment fee. There is a limit to how often you can move your due date so that it is not used as a tactic to avoid late payments again and again. This is something that is reserved for when pay periods change due to a job change or other circumstances make the existing due date difficult to adhere to.
Overall, the card is very cut and dry in regards to how easy it is to use and maintain. You can maintain the card online or call the toll-free number that is on the back of the card any time you have a question. Because it is a U.S. card that deals with U.S. retailers, you do not have to be concerned about foreign transactions, nor do you need to worry about variable interest. The main aspect to be concerned about is paying the balance due by the due date so that you can maintain a good history with the card issuer.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Other Benefits:||*See Terms and Conditions for other benefits package|
|Comments:||You will need a valid US checking account. Once approved, you can use the card immediately. You make purchases and we debit your account on the date or dates you select. The ChargeIt+Plus credit card is accepted at over 1,000 retail locations.|
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||0.00% (fixed)*|
|Min Finance Charge:||$1.00|
|Min Credit Line:||$350|
|Max Credit Line:||$1,500|
|Late Payment Fee:||$15.00*|
|Opening Minimum:||See Terms|
|ATM Fee:||See Terms|
|Additional Fees||NSF (Returned Payment) Fee: $20.00 |
Delayed Payment Fee: $16.00
We do not offer online application for this card at the moment.
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† The information provided for Fuel it Plus Shopping Credit Card is believed to be accurate at the time of evaluation (Apr 3, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.