Credit Card Review & Application
|APR on Purchases:||0.00% *|
|Card Issuer:||First USA|
|Card Network:||Other Networks|
|Card Category:||Consumer (Shopping)|
|Card Type:||- Card for Bad Credit|
- Guaranteed Approval
- Shopping Card
|Credit Needed:||Bad Credit OK*|
Preferred Trust Gold Shopping Card is a shopping card with limited use. Consumers having bad credit will enjoy this card as they stand a chance to improve their rating over time. Although card members are limited to using this card on the USA Credit Shopping Club website, a lot of benefits abound especially for those who are already customers or plan to purchase items from that site. Online applicants will find it easy when applying for this card. Intending members are not selected based on credit worthiness so it's quite easy getting one of these.
Applicants incur a $149.95 application fee. Applicants who sign up for the elite service will have $19.95 deducted from bank accounts every month. Registration into the My Hi Tech Auto Services costs around $14.95 per month.
Card members do not pay an annual fee.
Additional benefits for card members to take advantage of include:
Discounts on prescriptions, credit reporting - card members obtain unlimited access to their credit report. Traveling members have a helping hand with the road side assistance service just a call away. Victims of Identity Theft and unauthorized transactions are not billed for such transaction due to an Identity Theft Insurance program.
Online account access ensures card members remain up to date as soon as paperless statements containing expenditure and card charges are made available. This is in contrast to waiting for paper statements in the mail. Card members have round the clock access to their finances from the comfort of an internet enabled device.
Preferred Trust Gold Shopping Card is the ideal shopping card for individuals who want a card with which to purchase everyday items. Credit limit issued is large enough to cover monthly expenses while providing the card member flexible payment options. Card members enjoy the benefits of this card without having to pay an annual fee.
In summary, One of the biggest advantages of becoming a member is the 0% APR on purchases. Card members can also apply for credit limit increases while enjoying low minimum monthly payments.
See applicable terms and conditions for up to date information before applying.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Other Benefits:||- Discounts on prescriptions|
- Roadside Assistance
- Identity Theft Insurance
- Unlimited Access to you credit report
|Comments:||After application, USA Credit would debit your bank account for $19.95 every thirty (30) days in which you maintain the Elite Services, beginning as soon as thirty (30) days from today. Each debit will appear each month on your banking statement and I will deduct each amount from your bank account. You may cancel the Elite Services at any time, and may have questions on your USA Credit account answered, by contacting USA Credit member services at 1-888-834-1815 or at firstname.lastname@example.org. If You cancel your Elite Services after a monthly debit has occurred, you will cancel all subsequent debts, but will not receive a refund for the current month.|
The offer is not available in AK, HI, IN, WI, VT
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||0.00% *|
|Min Credit Line:||$2,500|
|Max Credit Line:||$7,500|
|Late Payment Fee:||$10.00*|
|Additional Fees||My Hi Tech Auto Services: $14.95/month|
The Elite Service: $19.95/month
Returned Checks: $30.00
ACH Debits and Credit Cards: $30.00
We do not offer online application for this card at the moment.
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† The information provided for Preferred Trust Gold Shopping Card is believed to be accurate at the time of evaluation (Nov 30, 2010). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.