Credit Guide

While credit histories and credit ratings are huge factors for consideration for credit card approvals in the US, this may not be the case for USA Platinum Credit Card Applications. This exception occurs as USA Credit practices a policy on not checking on their applicant's credit history or employment records for approvals. To date, they have never turned down any applications for USA Platinum.

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Applicants only need to be 18 years of age with a minimum monthly household income of $800. It is in fact a good credit card to start with if you have no credit history. USA Platinum Credit Card also does not charge any annual fees or rates for charges made to the card. However, registration fees come up to a whopping $149.95, which could lead to a first year total fee of close to $400. Nonetheless, this is only a one-time payment which works well for customers with credit rating problems.

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Despite the unnecessary checks on credit history, all outstanding balance payments made for the card will be reported to a credit bureau. In fact, upon approval of the card application, the card holder will already be entitled to unlimited access of their credit report. Thus, if all goes well and no payments are late, the user is well on his way to establishing a stronger credit which will help them to obtain approval for another credit card.

Impartial guide about credit card types available in the UK. Ensure you choose the right credit card type for you and save money with uSwitch.com

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Aside from the USA Platinum card, alternate credit cards may be of necessity in the long run, as the USA Platinum can only be used for retail purchases. However, the card caters for the spending needs of the public at the USA Shop Smart, a website that sells over 21000 products from 400 brand companies. Items here are affordable, orderable and payable online just online catalog selections, providing consumers with the convenience of shopping from home. Nonetheless, the card imposes a credit limit of $7500 with a $10 fee for late payments.

Some of the credit cards offered by Bank of America have an annual cap on the amount of miles you can earn. If you hold one of these credit cards and have reached your mileage cap for the year, 7302 (for existing cardholders) to request an upgrade to a higher level Alaska Airlines Credit Card. Our Signature and Platinum Plus Credit Cards do not have an annual mileage cap.

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For more information or to apply for the USA Platinum, Eric Wasselman recommends Find Credit Cards.

See privacy policy Click proceed to see your credit score and all the cards that you should consider applying for (no record or ‘footprint’ will be left on your credit file) Compare credit cards Standard Cards Gold & Platinum Cards Only cards I can apply for online

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Compare credit cards from hundreds of UK credit card providers and apply online for the best credit card deal at Moneynet.co.uk, your guide to UK credit cards

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