Credit Card Review & Application

USA Optimum Gold Merchandise Credit Card


out of 5

- Guaranteed Instant Online Approval!
- $5000 Unsecured Gold Merchandise Credit Line!
- NO Credit Checks or Credit Turndowns!
- NO Employment Verifications!
- Upon request, credit limits increases are available to those that qualify.
- Establish Credit by Reporting to Major Credit Bureau!
- Receive a *Free $50 Gift Card!
- After enrolling you'll receive a $300 Grocery Coupon Card

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: N/A *
Annual Fee: N/A*
Card Issuer: First USA
Card Network: Other Networks
Card Category: Consumer (Shopping)
Card Type: - Guaranteed Approval
- Shopping Card
- Reward Card
Credit Needed: Accepts All*

The USA Optimum Gold Credit Card is issued by USA Credit and is designed for those consumers who have bad or limited credit and want to improve their credit rating to something more suitable. It's a limited card that allows members make retail purchases from the USA Credit website and catalogs.

Members do not partake in a rewards program. Discount purchasing is sometimes available on select products purchased.

Online account access give card members unrestricted access to the card account from where members monitor card purchases, charges, and other relating transactions. Soft copy statements available online itemize transactions for past and current billing cycles for easier referencing.

Card members do not incur an annual fee. An account set up fee is applicable.

Interested persons can apply for this card online. Applicants must reside within the United States and have an active checking account. This card does not apply to residents in Wisconsin. Everyone who applies for this card will be accepted based on the issuer's "No Credit Check or Credit Turn downs" policy, but certain restrictions apply. The applicant must be 18 years of age or older and have a monthly household income in excess of $800.

Active members who repay regularly will build solid histories over time as the card issuer's report to all 3 major credit bureaus. A slight drawback when using this card is its lack of features. It doesn't come on any of the Visa, MasterCard, or American Express networks and as such card members do not avail of common benefits like fraud liability protection, purchase protection, extended warranty on purchases or even points/miles earned as more purchases are made.

Card members have to make do with purchasing from the USA Credit website and listings from eligible catalogs. Members cannot transfer balance from another credit card or conduct a cash advance transaction. ATM access is not available.

The USA Optimum Gold Credit Card charges no interest on purchases. Card members are subject to a monthly participation fee. No annual fee is charged. This card is similar to those retail cards you get from department stores except that it offers you more spending power.

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

Other Benefits: - USA Emergency Roadside Assistance
- Medco Health Prescription Card
- Credit Manager with FREE Credit Report
- $300 Grocery Coupon Card
Comments: *Guaranteed Approval Qualifications:
- You must be 18 years of age
- You must be either a U.S. Citizen or Permanent Resident (Offer Not Available to Residents of Wisconsin)
- You must have no undischarged bankruptcies.
Credit Reporting: Yes
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: N/A *
Annual Fee: N/A*
Grace Period: N/A*
Max Credit Line: $5,000
Late Payment Fee: $10.00*
Balance Transfer: No
Additional Fees  
Elite service monthly fee - $19.95
Membership fee - $149.95
Retured checks fee - $20.00
See Terms and Conditions* -

We do not offer online application for this card at the moment.

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† The information provided for USA Optimum Gold Merchandise Credit 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.

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