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All American Gold
Issued By: USA Credit |
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*See Website for Terms and Conditions
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Unlimited *Free Access to Your Credit Report for 30 Days
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Credit Limit Increases Available
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No Employment Verifications
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No Credit Checks or Credit Turndowns
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$6,000 Unsecured Gold Credit Line
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*Guaranteed Approval
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
NA |
NA |
NA |
none |
None |
Good |
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Card Info Last Reviewed 2007-01-09 |
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Our Review
The All American Gold, issued by USA Credit, is designed for those with poor or limited credit who are looking to establish or re-establish credit.
Although there is a $149.95 account set-up fee, it is considered reasonable as compared to similar products designed to establish credit, which can charge fees ranging anywhere between $200 and $400 for the first year of membership. There is no interest rate on purchases, and new cardholders have unlimited *free access to their credit report for 30 days.
Anyone who applies will be accepted based on their "No Credit Check or Credit Turndowns" policy, although certain restrictions do apply (see website for details).
Those who become active members will be glad to know that the credit line is reported to a major credit bureau.
The major drawback of this product is that it can only be used for retail purchases through the USA Shopping Club. In essence, it is a retail charge card that can only be used for selected products.
Therefore, those looking for a low cost option to establish or re-establish credit and do not require a card for general everyday purchases will find the All American Gold to be more than adequate.
Additional Perks
Unlimited *free access to a credit report for 30 days.
*See website for additional benefits.
Notations
The credit line is reported to a major Credit Bureau.
Applicants must be at least 18, a U.S. citizen or permanent resident (excluding Wisconsin) with an active checking account, and have no undischarged bankruptcies.
*No employment verifications.
*Guaranteed approval.
*No credit checks or turndowns.
*Pre-Approved.
*See website for terms and conditions.
View Website Details
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