Credit Card Review & Application

3.5

out of 5

- Enjoy a $1,000 Credit Line!
- No Credit Checks & No Credit Turndowns!
- Buy Now... Pay Later!
- Low Monthly Payments!



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 0.00% (fixed)*
Annual Fee: N/A*
Card Issuer: Other Issuers
Card Network: Other Networks
Card Category: Consumer (Shopping)
Card Type: - Card for Bad Credit
- Guaranteed Approval
- Shopping Card
Credit Needed: Accepts All*

The Next Millennium shopping card is a unique card that gives members access to an online store that offers premium merchandise for reasonable prices. The store is My Unique Outlet and it offers members merchandise from Apple, Samsung, Cuisinart, and many others. The merchandise is purchased with the credit limit placed on the card and then each piece of merchandise has a monthly payment attached to it. There is no interest on the payments and no transaction fees. In exchange for these fees, the card issuer charges a monthly membership fee. As long as the account is kept in good standing, cardmembers can use their credit limit to purchase name brand merchandise and have it delivered to their door.

This is an account that can be cancelled at any time by contacting the card issuer. If cancelled outside of the 30 day cancellation period, no refund will be received for the prior or current month's debits. Nonetheless, no more debits will be made. This means that no more purchases will be able to be made on the account and any money owed will have to be paid in full.

As for the fees that are placed on the account, there is an initial enrollment fee. This is a one-time fee that is paid when you open the account. You cannot use the account until this is paid. There is also a monthly membership fee. It is this fee that allows you to continue using the account and making on-time payments. This will be automatically debited from the credit or debit card that you put on file.

If a merchandise payment is late, then a late fee may be assessed. If a monthly membership payment is not made on time, then the card issuer reserves the right to cancel the account and that means any amount due may need to be paid in full. If a payment is returned, then a returned check fee is charged. If the returned payment results in a late payment, both could be assessed.

Nonetheless, there are no annual fees, there is no interest, and there are no transaction fees per transaction. When the monthly membership fee is compared to interest and fees on traditional credit cards, it comes out to be less in the long-term, especially when considering the frequency in use of the card.

It also helps to take into consideration the benefits that the card offers. For instance, cardholders receive benefits that can save a great deal of money. For instance, roadside assistance is one of the services offered with the membership. Through the roadside assistance services, members receive towing, fluid delivery, lock-out assistance, jump starts, tire changes, and winching. These services are available 24/7 so that members can be confident when on the road.

Another exclusive benefit is legal assistance. Attorneys can be expensive, but the membership plan allows for initial phone and face-to-face consultations with no time limit. If there are independent legal documents that need to be reviewed, there is a six page maximum for each set of documents. There is no limit to the number of new document sets that can be presented. If you don't have a will, then a new Simple Will can be drawn up for you. If you are faced with a matter in small claims court and you need to represent yourself, a plan attorney will be available to advise you so that you can handle the matter accordingly. Lastly, you can receive help with government programs, such as Welfare and INS. The legal services that you are entitled to can be worth thousands of dollars at any given time, which means any costs associated with the membership will be offset.

Factor in the daily deals in over 6,000 cities around the world and there is a lot of money that can be saved when the membership is used to its fullest. The daily deals are customizable to your interests and there is a mobile application to help you identify those deals wherever you may be traveling to


The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: *See Terms and Conditions of the card for other benefits
Comments: The Next Millennium Online credit line is a members-only club for online shopping. Purchase your products now and enjoy our low monthly payments. Only $19.95 per month with a one-time enrollment fee.
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 0.00% (fixed)*
Annual Fee: N/A*
Grace Period: N/A*
Max Credit Line: $1,000
Late Payment Fee: N/A*
Balance Transfer: No
Opening Minimum: See Terms
Application Fee: $29.95
ATM Fee: See Terms
Additional Fees  
Annual Percentage Rate for Purchases - 0%
Fee for Exceeding the Credit Limit - N/A
Fee for Returned Checks - $30.00
Fees for Paying Late - $10.00
Grace Period for Repayment of Balances - N/A
Minimum Finance Charge - N/A
Monthly payments - $19.95
Purchases Balance Computing Method - N/A
Transaction Fee for Purchases - N/A
Variable-rate Information - N/A
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† The information provided for Next Millennium Shopping Card is believed to be accurate at the time of evaluation (May 9, 2017). 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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