Credit Card Review & Application
|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
|Credit Needed:||Bad Credit OK*|
Other Card to check instead: Horizon Gold Card
The Merit Platinum Card is a shopping card that can be used to purchase items available on their website. There are no links to your bank account which is why your approval is guaranteed. The application process is very simple and straight forward. All you have to do is simply fill in an online application form and you are done.
There are no credit checks or any employment checks which reassures that your acceptance is guaranteed. The great thing about this platinum card is that it can also be used online. You are provided with a $500 credit limit which can be used to purchase any of the products available on their site. This card is offering a standard fixed amount of 0% APR.
This platinum card includes various benefits in terms of the rates that they are offering. Some of them have been outlined below. There is an annual percentage rate for purchases of 0% and NSF check fee of only $25. In comparison to other shopping cards that are being offered, the check fee is 75% lower than most costs. In case your payments are late, you will be required to make a payment of $20 as well which is also relatively low in comparison to other shopping cards.
Signing up for this particular platinum card entails numerous benefits. Once you have signed up, every person is entitled to $500 credit line, my privacy protection access, my universal RX, my roadside protect and my legal assistance benefits. The standard set fee for the membership card that will entail you to all these benefits is low. One of the great benefits of using this platinum card in particular is that is offers no charge on prepayments. This card also entails a fully functioning cancellation and refund policy that is eligible for a period of up to 30 days.
With most other shopping cards that are available there is a set charge for card maintenance that is charged. With the Merit Platinum Card the card maintenance fee of $6 is waived. All your transactions and monthly bills will be sent to you electronically so you won't have to worry about them getting lost in the mail. Seeing that they will be sent to you online will allow you to keep an eye out on your transactions to ensure that it is not being used by anyone else.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Other Benefits:||*See Terms & Conditions of the card|
|Comments:||* The Merit Platinum Merchandise Card credit line can be used exclusively on selected outlets.|
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||0.00% (fixed)*|
|Min Credit Line:||$500|
|Late Payment Fee:||$20.00*|
|Additional Fees||NSF Check Fee: $25.00|
Cancellation Fee: None
Late Payment $20.00
Outlet Store Delivery Signature Verification: $2.50
Outlet Store Residential Delivery: $2.00
One time Card Issuance and Account Validation fee: $5.00
Fee for returned checks or debits, second NSF: $25.00
Monthly maintenance fee: $6.00
We do not offer online application for this card at the moment.
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† The information provided for Merit Platinum Card is believed to be accurate at the time of evaluation (Sep 19, 2015). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.