Credit Card Review & Application
|Intro Period:||18 months|
|Card Network:||Other Networks|
|Card Category:||Consumer (Shopping)|
|Card Type:||- Card for Bad Credit|
- Guaranteed Approval
- Shopping Card
- Reward Card
|Credit Needed:||Bad Credit OK*|
1st Platinum Plus is a shopping card reserved for individuals who want to high credit limits with which to purchase items while building up a healthy credit rating over time. This card doesn't come on any of the common networks but card members can use it with any of the over 1,000 participating merchants.
Members partake in an introductory APR period charging no interest on purchases throughout a long term period.
One of the most prominent downsides of using this shopping card is its limited credit usage. This card does not offer the flexibility to purchase products afforded when using a card on the MasterCard, Visa, Discover, or AMEX network. Notwithstanding, card members have a great opportunity to obtain a shopping card offering quite high credit lines.
Individuals interested in this product can sign up for a trial period. During this period, the member on trial can make use of the card as a full-fledge member with a $3,500 credit limit. A monthly membership and maintenance fee is deducted from the charging credit or debit card on monthly basis if the trial period isn't canceled.
First Platinum Plus is designed for individuals who want to improve their credit ratings over time. Online account access is a feature allowing card members check the card balance and monitor spending.
Approval is guaranteed upon verification of identification. The application fee is waived for new applicants
Before applying for 1st platinum Plus Shopping card, it's important to go through the applicable terms and conditions.
|Rewards:||- Rewards: Incredible Member Benefits!|
|Other Benefits:||- Member Vacations|
- Merchandise Price Guarantee
- ID Theft Protection
- Credit Monitoring
- Roadside Assistance
- Prescription Drug Discounts
- $600 Annual Dinning Allowance
- $600 Annual Grocery Allowance
|Comments:||- Essential Health is unavailable in the following states: AK, CO, CT, FL, MD, ME, MT, NV, NH, NY, ND, SD, OR, RI, VT, VA, WA, MN.|
- The 1stPlatinumPlus Membership is not available in WI.
- eClubUSA credit lines will be made available only to Members who qualify with proof of a minimum combined household monthly income of over One Thousand Eight Hundred Dollars ($1,800.00) per month for the last six (6) consecutive months, have a valid checking/debit or credit card account with a bank or financial institution located in the United States and are at least eighteen (18) years of age. eClubUSA is not a credit repair service, financial or banking institution.
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|Introductory Period:||18 months*|
|APR on Purchases:||0.00% (fixed)*|
|Min Credit Line:||$3,500|
|Max Credit Line:||$5,000|
|Late Payment Fee:||$15.00*|
|Additional Fees||Membership fee: $24.95|
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† The information provided for 1st Platinum Plus is believed to be accurate at the time of evaluation (Apr 26, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.