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   Credit Cards : Online Shopping Merchandise Cards

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An Online Shopping Merchandise Card Working For You


Online Shopping merchandise cards are an effective way to lower your debt-to-credit ratio and increase your credit limit. Just as with traditional credit cards, these handy cards submit monthly reports to at least one of the main credit bureaus.

online shopping merchandise cards

Online shopping merchandise cards offer a line of credit for you to purchase goods from a particular vendor, generally the issuer of the card. Often the products are bought through an online store or catalog.

online shopping merchandise cards

A great majority of people will be able to get approval from between $5,000 and $10,000 in credit with a sub-prime merchandise card, the online shopping merchandise card without any cosigner or credit check. A sub-prime account differs from the normal credit account because the card can only be used to buy products from the issuer's catalog or website, and a small amount of money is required as a deposit on whatever is bought. Once payment of the deposit is received, the rest of the balance is put on the card.

There are a number of instant benefits to being issued an online shopping merchandise card.

  • Your credit report's high credit limit will straightaway be increased by the value of the card, and this will go onto your report and appear the same as any other unsecured revolving account or credit card.
  • You will see an improvement in your debt to credit ratio straightaway as there has been an increase in your credit limit.
  • You will be making frequent payments on the small balance that is on the card. This is an easy and quick way to build your credit rating.
  • Once you start paying it off regularly, you'll begin to see pre-approved offers for credit from legitimate companies coming your way.

When deciding on an online shopping merchandise card, things to look out for include an interest rate of 0% and you also want a card that submits reports to the credit bureaus.

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