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Balance Transfer to USA Platinum Plus Merchandise Credit Card USA Platinum Plus Merchandise Credit Card


USA Platinum Plus Merchandise Credit Card
Intro APR: 0%

 Issuer: USA Credit
Approval is *guaranteed when qualifications are met.
The Card is an Unsecured Line of Credit.
The Shopping Club offers over 14,000 products.
Upon request, credit limits increases are available to those that qualify.
The credit line is reported to a major Credit Bureau.
No credit checks.
No employment verifications.
No interest charges.
You can be approved even if you have No Credit or Bad Credit





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Thinking of buying a new car? Unless you’re paying cash, presumably you’re looking for the best way to finance the car of your choice.

For people who choose to buy a new car every two or three years, personal contract purchase, or PCP, is gaining in popularity. Your car dealer or the manufacturer effectively lends you the balance of the car, after you’ve paid a deposit of 20 to 25 per cent. A fixed trade in price is promised at the end of the deal. An annual mileage limit will be agreed and as long as this isn’t exceeded you will be offered a choice of options when the contract ends.

The choices will be
1. To return the car and change to a new one.
2. To trade it in at its second hand value – this may be more than the guaranteed figure, which makes it well worth doing.
3. To keep the car, making a final payment of the outstanding balance.

Many people simply replace their car every couple of years, using the first option and keeping to the same dealer or manufacturer.

An alternative to personal contract purchasing is a simple car lease plan. An initial deposit is paid, which works out at three times the monthly lease payment. The lease payment is then made for 24 or 36 months, depending on the contract. At the end of the time you simply return the car and walk away. There are no obligations and you’re free to go ahead and choose your next vehicle without the complications of selling a second hand one.

To make a comparison on costs using the two methods shown above, if you take a vehicle costing £14,995, bought through a personal contract purchase plan from a dealer, on a 3 year plan, you would pay a deposit of £1,548. There would then be a repayment period of 36 months @ £309 per month. The deal would guarantee you £3,861 towards a new car if you were staying with the same dealership. Alternatively you could purchase the car outright for this sum and sell or use it in part exchange it towards your new car.

If you take the same vehicle on the second (lease) plan, you would make an initial payment of £969 and the monthly payment would be £323.

The other choices to consider for vehicle finance are personal loans or hire purchase. With hire purchase the loan is secured on the vehicle. Because of this, if you get behind on your repayments, the vehicle can be repossessed by the lender. Obviously, having completed the payments on the car, at the end of the period, the vehicle is yours, without any ties, limitations on mileage etc.,

Offers of low or even no-cost credit can be found. Unfortunately they’re often unavailable on the model of your choice. In common with many other manufacturers, Vauxhall have some excellent offers with several models currently being offered at 0% interest over four years. For models not in the 0% range, for example the Astra Life 1.6 16v, the offer is considerably higher and in fact doubles the interest rate which most people pay via GMAC, the company that offers loans for customers buying directly from Vauxhall.

Of course, you don’t have to go along with the manufacturers deals and can work out your own comparisons by comparing the cost of personal loans. Log on to the internet and find a broker to check out the various loans available.

In general most car manufacturers will be able to offer some good deals when it comes to finance and it’s worth finding out what’s on offer for the car of you choice. It’s always a good idea to check what the same vehicle would cost using a personal loan and weighing up the final price paid is always worthwhile.

So, whatever your choice, personal loan, hire purchase, personal contract purchase or a simple lease plan, there are plenty of ways to finance your new car. Do your sums right and there are big savings to be made.


  • Transfer your balance to USA Platinum Plus Merchandise Credit Card

  • Ask any financial advisor and they will tell you that credit cards, in general, are not a good idea. But they aren't all completely bad. The problem isn't necessarily the card, it is the way the card is used.

    The average American family has approximately $7,000 to $10,000 (or higher, by some reports) of credit card debt. For most people, credit cards are a major obstacle between them and financial security. They are just too tempting. Too easy to use. And it is too hard to get out from under them.

    But if you are one of the few people who have the self control to pay off your credit card bill each month -- every month -- then credit cards could have some advantages.

    If you pay off your bill each month, you are basically receiving an interest free loan from the time you make your purchase until your credit card bill arrives. But the key is that you have to keep a close eye on how much you are spending, you must have the money to pay it off in full. Or you will pay interest on what you can't pay.

    Many credit cards offer protection for your purchases for a certain amount of time after the purchase is made. Airline tickets purchased with credit cards often offer free life and baggage insurance during your vacation. Some provide rental car insurance. A number of cards let you earn points for every $1 you charge. Others offer you cash back on your purchases. Many of these "reward" cards can be found with little to no annual fee.

    The most popular of the rewards cards are the airline credit cards. These allow you to earn points toward free tickets or other upgrades with each dollar you spend. Almost all airline cards have annual fees, but these are sometimes waived for top customers. If you have used your card a lot during the year, you can request to have your fees waived.

    There are many other card programs out there -- all intended to draw customers in. There are cards that pay towards your home mortgage loan. Some will donate to your favorite charity. You can find a card linked to almost anything nowadays.

    The reason that credit cards take the risk that you will take an interest free loan and pay off your bill in full is simple. First of all, anytime you make a purchase with a credit card, the store you do business with must pay the credit card company anywhere between three and seven percent of the amount charged.

    The other way they stay in business is by charging credit card holders who don't pay their balance each month high interest rates. These rates are even higher for those who miss a payment.

    Credit cards are banking on you not paying your balance in full. The majority of their card holders don't. They encourage you to charge by offering money transfers, convenience checks and other incentives. They want you to be surprised when you receive your bill each month at how much you owe them.

    But the fact is that credit cards are only a good deal if you pay off your balance in full each month and you only buy things that you have the money for at the time you buy them.

    So that leaves many advisors to ask: why not just use your money and forgo all of the trouble? The benefits to the rewards cards are so minimal, they often aren't worth the risk.

    While cards are the downfall of many, if you have self-control and use them wisely, there are advantages. Many people do find that they can save money by using them. Be careful and keep track of your spending, and you should find that they not only improve your credit score, but provide many other benefits as well.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.