- $500.00 Unsecured credit line
- Guaranteed Approval
- 0% Interest
- No Credit Check
- No Employment Check
- Reports to Major Credit Bureau
3.6 / 5.0 (33 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
0.00%*
APR Type:
fixed
Annual Fee:
N/A*
Issuer:
Card Network:
Card Category:
Consumer (Shopping)
Card Type:
Card for Bad Credit
Guaranteed Approval
Shopping Card
Credit Needed:
Bad Credit OK*
Grace Period:
None*
Min Credit Line:
$500
Late Payment Fee:
$20.00*

Balance Transfers

Balance Transfer:
No

Other Fees

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

Comments

* The Merit Platinum Merchandise Card credit line can be used exclusively on selected outlets.

Review by

Similar Shopping Card: Horizon Gold Card

The Merit Platinum Card is an online shopping card that can be used to purchase any products or services being offered through the Merit portal. The great thing about this shopping card in comparison to others is that it offers guaranteed acceptance.

This is not a bank card which is why there is no link to your employment status or your credit history. Approval is guaranteed as long as you agree to be able to pay for the products that you decide to buy. The card provides you with a credit line of $500 for every member approved. There is a fixed rate of 0% APR being offered on all cards for a life time.

Features

Most attractive:
- High unsecured line of credit
- Credit reporting
- Guaranteed approval
- No credit or employment verification
Least attractive:
- Limited use
- Monthly maintenance fee

Benefits

Other Benefits:
*See Terms & Conditions of the card
Online Access:
Yes!
100% Guarantee Approval:
Yes!
Credit Reporting:
Yes

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.