Catalog Credit Cards for Bad Credit
Catalog credit cards with guaranteed approval and no credit check do not exist for all applicants due to federal regulations, which require lenders to verify an applicant's ability to pay. Many offers that use terms like "guaranteed approval" actually refer to financing options with high fees, high interest rates, and limited usefulness for building credit.
How catalog credit works
Catalog credit, also known as a merchandise or store card, is essentially a line of credit that you can use to make purchases from a specific online or mail-order catalog. They differ from general-purpose credit cards in that their use is limited to that specific store.Because they are issued by the catalog company rather than a major bank, the qualification requirements are generally less stringent. Many catalog companies and buy-now-pay-later services emphasize their easy approval, and some even check credit using alternative methods or report that they don't perform credit checks. However, this does not mean approval is guaranteed.
Under U.S. law, lenders are required to assess an applicant's ability to repay before extending credit. While some non-traditional credit options exist for those with bad credit, they are typically limited-use accounts with high fees and limited usefulness for building a positive credit history.
What "no credit check" often means
For legitimate credit products, the term "no credit check" is often a misinterpretation of an alternative underwriting process.Also See:
Unsecured Credit Cards for Bad Credit
Masseys Credit Card
- Buy Now and Pay Later with Masseys Credit
- Grow your credit with responsible use
- Masseys Credit Lines Up To $500!
- No annual fee
- Payments as little as $5.99 per month
- Conventient online account access
- CLICK HERE TO APPLY ONLINE
*See Card Terms and Conditions
Freedom Gold Card
- $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Bad Credit - OK
- CLICK HERE TO APPLY ONLINE
*See site for details
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
Security Notice: Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*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.
Advertiser Disclosure: The card offers that appear on this site are from companies from which www.Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). www.Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.
© 2006-2025 GettingACreditCard.com, All Rights Reserved.