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Merchandise Cards or Catalog Credit Cards Offer Guaranteed Approval and Huge Credit Limits - NO SECURITY DEPOSIT REQUIRED!
Whether you have bad credit or no credit, it doesn't matter. Catalog cards offer guaranteed approval. You can use these cards only to purchase merchandise within their catalog.
The benefits of obtaining catalog cards are:
- Guaranteed Approval
- Large unsecured credit lines
- Help improve or build credit
- Purchase quality merchandise while building up your credit
If you have been turned down for a loan or credit card because your credit report didn't show any "*comparable credit" then these cards are for you! Catalog cards tend to have credit limits ranging from $5,000 - $10,000.
* when a bank ask for comparable credit they are basically saying that if you want a loan for $5000 you should have had an unsecured loan or credit card for that amount in the past that shows a favorable repayment history.
Catalog Credit Cards
Merit Platinum Card 
- Bad Credit, No Credit? No Problem!
- Reports to Major Credit Bureau
- Fast and Easy Application
- No Employment or Credit Check
| Intro Rate | Regular APR | Annual Fee | Credit Line | Credit Needed |
|---|---|---|---|---|
| N/A | 0% APR | See website for Details* | $750 Limit | Damaged credit to Fair credit |
Unique Platinum
- $1000 Credit Limit
- No Credit Checks
- Instant Approval
- 0% Financing
- No application denied for bad credit!
| Intro Rate | Regular APR | Annual Fee | Credi Line | Credit Needed |
|---|---|---|---|---|
| N/A | 0%* | $19.95* | $1,000* | Any Credit Welcome |
Principal Platinum Card
- Instant Approval / $750 Credit Line!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
| Intro Rate | Intro Period | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 0% APR | See website for Details* | Damaged/Fair |
Net First Platinum
- Instant Approval / $750 Credit Line!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications *See Card for Details
| Intro Rate | Regular APR | Annual Fee | Credi Line | Credit Needed |
|---|---|---|---|---|
| N/A | 0% APR | See website for Details* | $750 Limit | Damage credit to Fair credit |
Freedom Gold Card
- $750 Unsecured Credit Limit
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Reports to a Major Bureau
- Bad Credit - OK *See site for details
| Intro Rate | Regular APR | Annual Fee | Credi Line | Credit Needed |
|---|---|---|---|---|
| N/A | 0% APR | See website for Details* | $750 Limit | Damage credit to Fair credit |
Advertiser Disclosure: See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advice for Applying for a Catalog Credit Card
- Pick a credit card that matches your needs and budget. Take the time to compare the interest rates, credit limits, fees and charges, payment terms and other conditions imposed on various programs. That way, you will most likely choose a catalog credit card that carries the most reasonable features.
- If you wish to jumpstart or rebuild your credit history then, you should see to it that you pick a card issuer that will report your credit and payment activities to the major credit bureaus – Experian, TransUnion and Equifax.
- Pay close attention to the rate of interest, and check whether it is fixed or variable. Always remember that although a variable rate credit card usually comes with a low introductory APR, the rate can suddenly shoot up depending on the changes in the Primary Rate. Hence, it will still be best to lock in an affordable rate on your catalog credit card.
- Bear in mind that spending beyond your credit limit can cost you great deal of cash in the form of overdraft charges and declined transaction fees. It can also inflict further damage to your credit history. So, try to spend within the limit or cap imposed on your account.
- Review the fine print of your credit card program before signing your contract. That way, you can understand the terms and conditions that will apply to your catalog credit card and you can avoid having regrets, later on.
