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Even if your credit isn’t the best, these cards let you borrow up to $1,000. This means you can buy the things you’ve been wanting. Let’s check out these cards and see how they can give you a boost:
Card Comparison
Dealing with a low credit score can be really hard, and it might seem like you can’t do a lot of things. But it’s important to know that there are solutions out there to help people like you.
Choose your perfect card
Credit check
No
No
No
Credit line
$750, unsecured
$750 credit line
$1000 credit line
Features
Household, clothing, appliances, toys, clothing, gifts, & more
Legal Assistance. Low payments of only $14.77/mo
You get $25 Reward Dollars every month you are an active member
Get your guaranteed approval for a $750 credit line today!
The Merit Platinum Card is a merchandise card from Horizon Card Services. Unlike a traditional credit card that can be used anywhere Mastercard is accepted, Merit only works at the Horizon Outlet, an online shopping portal.
As mentioned, the Merit Card offers successful applicants a $750 merchandise credit line for use at the Horizon Outlet. What makes the card such a popular choice for credit builders, however, is the lack of hard inquiries when applying. Horizon requires no credit check to apply, nor do they conduct an employment check. However, Horizon requires an active U.S. credit card, debit card, checking or savings account.
First and foremost, yes, the Merit Platinum Card is totally legitimate. Still, it’s easy to understand why the question is asked. After all, Merit offers the allure of an unsecured line of credit to the tune of $750, with no credit checks or employment verification.
If there was a “catch” with the Merit Platinum Card, it’s that it’s a retail card that can be used exclusively at Horizon Outlet. The Horizon Outlet is an online store with a huge array of products, including toys, clothing, and gifts. Customers note the excellent quality of Horizon Outlet items, and many praise the card’s customer service (though others have some issues).
No. The card only works at the Horizon Outlet.
New
The Merit Platinum Card is perfect for consumers seeking to establish or rebuild their credit score.
This card features no interest on purchases, a credit limit of $750*, and no credit check.
Unlock $750 Credit Line Today!
Net First Platinum is a members only club for online shopping. Shop thousands of your favorite items from the comfort of your home.
No Credit Checks & No Credit Turndowns! All credit types are accepted. Get a $750 line of credit with a 0% APR instantly.
Enjoy a $1,000 Credit Line. Fast Approval Guaranteed!
Accepted Platinum is a members-only club for online shopping. Shop from the convenience of your home exclusively at MyUniqueOutlet and enjoy 0% financing.
Save up to 54% off your prescriptions and earn Reward Points while you save! Points can be redeemed for gift cards for popular stores and brands.
Establishing Credit Tips
What is Credit Repair
Credit repair companies can help find and fix errors in your credit report, potentially boosting your credit score. They also offer services like credit score monitoring and identity theft protection for ongoing credit health.
Ask for a Higher Credit Limit
Merit your credit score by requesting a credit limit increase from your credit card issuer. A higher limit can instantly lower your utilization ratio and raise your score. If you have a history of on-time payments and a reasonable utilization ratio, many creditors will grant your request.
Why a Good Credit Score Matters
A good credit score is crucial for buying a home, car, or qualifying for loans. It can also impact job opportunities. Over time, good credit saves you money with lower interest rates, while poor credit leads to higher rates due to increased risk for lenders.
How to Rebuild Your Credit
Rebuilding credit takes time and discipline, but it’s never too late to start. Paying down debt quickly helps boost your score, and setting up auto-payments for bills prevents late payments, gradually improving your credit over time.
