National Credit Direct Application
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Card
Network

National Credit Direct
Bank

National Credit Direct
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured Store Card
Credit
Recommended

Bad/Fair
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Use exclusively at National Credit Direct (nationalcreditdirect.com).

CARD DETAILS

  • Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!
  • 5% Cash Back on All Purchases or FREE merchandise6
  • $1/day6 or less for Apple, Samsung, Acer and more
  • No Over Limit Fee
  • FREE Credit Score Every Month -- Won't affect your credit
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • Up to $3,500 Spending Limit
  • Instant Response -- Start shopping in the next 60 Seconds
+ Pros
  • Guaranteed Approval
  • Shop brands like Apple, Samsung, Acer and more
  • Build Credit History -- Reports to Major Credit Bureaus
  • 5% Cash Back on All purchases or FREE merchandise6
- Cons
  • For shopping at National Credit Direct.
  • $49 annual fee.

Interest Rates and Fees

Ongoing
APR

0.0%
Annual
Fee

See Terms*
Late Payment
Fee

$5
Activation Processing
Fee

$0
Monthly Membership
Fee

See terms*
National Credit Direct Application
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