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*|
The Prestige Plus Platinum Shopping Card is the ideal card for the individual who, for one reason or another, can either not get, or chooses not to have, a credit card. This credit card has the advantage of operating like cash, but with the convenience of using a credit card without the additional hassle that having a credit card can come with.
By just paying a onetime membership fee, and a monthly use fee, you are able to make purchases with only a percentage down on the full amount and no interest.
Using this shopping card is the same as using cash in almost all ways but without the risk of losing it without any means to replace it. Using cash is always the best way to make a purchase when you are able. There are no interest rates attached to the purchase, therefore, you are not paying any additional amount on the purchase.
When purchasing merchandise with a traditional credit card, there are usually fees, either realized or hidden, which are eventually added to the amount of purchase. Because this card carries with it no interest charges, what you pay, is always what you pay.
Unlike cash, however, this card allows you to make purchases in places where cash is not tendered. Shopping online allows you to price check across different sites and stores in an instant, guaranteeing the best price. If, however, you do not have a credit card, you will not be able to take advantage of using the Internet to shop. This shopping card will change all that.
Being utilized in the same manner as any other credit card, it will allow you to make purchases online. If you are to misplace your card, unlike cash, the money that is on the card will not be lost. You are able to recover this money by simply calling the company, try to call someone to recover lost cash.
There are some life circumstances that happen that can affect our credit either good or bad. If you have found yourself in a situation where you are unable to obtain credit because of your past, or do not want to acquire any more credit that will affect your credit rating, then this card is ideal. It carries with it no credit checks, so you can't be turned down to obtain one, and there won't be any inquires into your credit which will drive down your rating.
One of the advantages of using this card for purchases is that you only need to put down 10% on the purchases that you make. Although you have the freedom of ease of most prepaid credit cards, this card only requires a percentage to be put down for purchases that you make. Once you pay the initial cost of the membership to join, you will just have to pay a monthly service fee to continue to use the card. It's like borrowing money for free.
The review prepared by CreditCardsCo™. Opinions expressed therein are solely those of the reviewer.
|Other Benefits:||- USA Emergency Roadside Assistance|
- USA Credit Care with Credit Report
- USA Prescription Discount Plan
|Online Account Access:||Yes|
|100% Guarantee Approval:||Yes|
|APR on Purchases:||0.00% (fixed)*|
|Late Payment Fee:||$10.00*|
|Additional Fees||- Inactivity Fee: $19.95|
- Fee for Exceeding the Credit Limit: N/A
- Fee for Returned Checks, ACH Debits and Credit Cards: $30.00
- Down Payment for Merchandise Purchases of $300 or More: 10% of order
- Membership Fee: $99.00
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† The information provided for Prestige Plus Platinum Shopping Card is believed to be accurate at the time of evaluation (Mar 23, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.