 USA Platinum Merchandise Credti Card
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Intro APR: 0%
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Issuer: USA Credit
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USA Pltainum Merchandise Credit Card offers:
- Establish your credt with $7,500.00 of unsecured merchandise platium crdeit. Enjoy great merchandise while you ride the wave to better creit. Apply online now!
- No Credit Checks or Turndowns
- No Employment Verifications
- Credit Limit Increases Available
- The credit line is reported to a major Credit Bureau.
Sign up now for USA Platnium today!
...and you will receive free and unlimited access to your credit report for 30 days
FREE 30-DAY CREDIT REPORT ACCESS TRIAL OFFER
You will be granted access to your credit report for a 30-day free trial period upon verification of valid payment information and confirmation of your identity. We will not debit your checking account for this service during your free 30-day trial offer. At the end of the thirty-day trial period, we will debit your checking account in the amount of $9.95. The cost of retaining credt report access is $9.95 per month. You may cancel your service at any time by contacting our Member Services Department, Monday through Friday from 9:00 am to 5:00 pm, Eastern Standard Time. If for any reason you wish to cancel during the first 30 days after your checking account is debited, you may do so and receive a full refund of the monthly membership fee. After which, refunds will be pro-rated based on the unused portion of your subscription. If you cancel your subscription once (either during or after the free trial) and then later re-subscribe as a paying customer, USA Crdeit reserves the right to deny you a refund for the second and any subsequent cancellation. This is not a credit repair service.
*Guaranteed Qualifications: You must be 18yrs. old, a U.S. citizen or permanent resident (excluding Wisconsin), a monthly household income of $800 or more & no undischarged bankruptcies to qualify for this merchandise card.
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 Apply for USA Platinum Merchandise Credit Card
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You’ve probably received several crdeit card offers in the mail, and the outside of the envelopes scream interest rates and promotional offers to try and entice you into opening it up and looking at what’s inside. Chances are, if you have an email address, you’ve even received a few credit card offers through that address- bright colors and animated graphics trying to convince you that there card has the lowest initial interset rate, or the longest transfer balance rate of all the available credit cards on the market. All of the offers will look good at first glance; after all- that’s what marketing is about, right? According to Merriam-Webster’s online dictionary, marketing is a noun used to describe “the act or process of selling or purchasing in a market, and the process or technique of promoting, selling, and distributing a product or service.” Credit card companies are in business to sell you their credit cards, and they’ll use a variety of promotional materials to get your business.
The outside of your credit card offer’s envelope might say something like, “LOW 0% Initial Intreest Rate on all purchases and balance transfers”, but there is much more to how a creit card’s imterest rate is calculated than that statement reveals. Initial intreest rates are sometimes referred to as the card’s promotional rate, or teaser rate. In all honesty, an initial intrest rate is basically the same thing for a credit crd as a sale is to a retail store. Retail stores advertise their products that have a discounted price for a limited time to attempt to bring people into their establishment to buy the sale item, but also because once you are there, they hope you’ll purchase other products. Credit crads offering initial interest rates are basically putting their standard intrest rates “on sale”, because for a limited time, new cardholders will receive a lower than usual rate on purchases, and sometimes also on any balance you transfer from one of your other crdeit cards onto this new card. What you need to understand about initial imterest rates is that they really are “for a limited time”, and just as you couldn’t go to your favorite store and buy items this month for the sale price that was offered the previous month, you can’t extend a creit card’s initial interset rate beyond the terms they specify (often found in the small print!) What you’ll want to look for in the text of the materials that were sent with the initial interest rate cards promotional documents is reference to the cards ongoing annual percentage rate (APR). This is the interest rate that you will pay once the initial interest rate period has passed. (The regular price of an item after the sale has ended!)
Initial interest rates will also come with terms of agreement, in the form of a contract, which give reasons as to how or why the rate might be terminated by the credti lender. The most common reason to terminate the initial interest rate offer is for making a late payment on your card, and if you read the fine print of the credit crad agreement- you’ll note that it states this very clearly. In order to keep the promotional, lower rate for the time specified by the creit card lender, you must make every payment on time. If you are late with a payment, you can expect the interest rate to jump to the ongoing ARP, or in some cases, higher because you have defaulted on your contract agreements, so do everything you can to make sure your payments are made on time.
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