Next Millennium offers a guaranteed line of credit to subprime consumers. People with bad credit, poor credit or no credit can get approved for this card without credit check. Upon approval your credit limit will be as high as $1,000 and your annual interest rate will be 0%. If you got interested in this offer, there are some important things you should know about Next Millennium credit card before you apply. The first thing is that the Next millennium card can be used for shopping exclusively at the UNIQUE CARD SERVICES™ Shopping Club Web site. Next is fees which are rather hefty.
Who can get it:
Any U.S. citizen or permanent resident of 18 years of age who does not have undischarged bankruptcies is eligible to be approved for this card. However, the card is currently not available to the residents of Wisconsin, Vermont and Indiana. Another requirement to qualify for this card is active debit or credit account which you will need to provide at the time of application.
Why you should apply:
If you are having hard time being approved for an unsecured credit card this card is for you. People with bad credit who want to improve their credit score can also opt for this card as it is reported to a credit bureau.
What you get with it:
The card is only good for use at the MyUNIQUE Outlet Shopping Club Web site. The online shop features a variety of goods from auto accessories to jewelry and more:
- Auto: accessories, stereo components, motorcycle accessories.
- Electronics: computers, GPS, tablets, photo
- Health&Beauty: hair care, dental care, medical care, manicure
- Home and Office: furniture for home, kitchen and office, tools
- Jewelry: chains, bracelets, earrings, kids jewelry
- Kids Korner: bicycles, toys, puzzles, learning DVDs
Also, all cardmembers will receive privileges in Roadside Assistance Plan and various discount opportunities.
Fees and charges to consider: Next Millennium
has application and enrollment fee. The total initial fee is $29.95 where a $10.00 application fee is non refundable if you decide to cancel your account. The monthly membership fee is which will be charged from your credit or debit card every thirty days. The card does have 0% APR, so you won’t pay interest if you carry a balance.