Net First Platinum

Net First Platinum

Net First Platinum is a merchandise card credit line that offers guaranteed approval for applicants who meet basic criteria. Those with poor or bad credit are not excluded. Even with no credit or employment check, Net First Platinum offers customers a $500 unsecured purchase limit with the card. The application is online and takes only a few minutes to complete.

Net First Platinum Overview

To get approved for this card, applicants must meet some very basic qualifications. This includes:

  • Address and working telephone number
  • Social Security Number
  • Must be over age 18
  • Account information for a debit or credit card account

Once a complete application is submitted, applicants can expect to receive the card in just about two weeks.

Customers who have a merchandise card with Net First Platinum can make purchases in the Horizon Outlet online retail store. This store has an excellent selection of household goods, small electronics, clothing, jewelry, and many other items. Consumers with no credit or bad credit often have limited purchasing power due to their inability to obtain credit. Net First Platinum offers a terrific opportunity to those who need it.

Even though there is no credit check required to open the card, Net First Platinum does report to at least one of the major credit bureaus. Establishing a good payment record and responsible purchasing with the card may indeed help customers raise their credit score. In turn, this could have a positive impact on cardholders’ access to other credit options in the future.

This merchandise card works a little bit different than traditional credit cards, so it is a good idea for consumers to read the terms and conditions of the card to understand the fee structure and how the membership works. All cardholders have a 0% APR on purchases made with the card but must pay a $6 a month fee for having an open account. If the card is used to make a purchase in any given month, that fee is waived.

In addition to purchasing power in their online store, cardholders can elect to access some exclusive benefits just for having an open account. For a $19.95 monthly membership fee, customers are eligible for:

  • My Privacy Protection- a program that helps protect consumer’s personal information on the internet
  • My Legal Assistance- includes a 30-minute legal consultation as well as a toll-free phone and internet access to other legal resources
  • My Roadside Protection- roadside assistance service that includes coverage for towing, fuel delivery, lockout service, and help to change flat tires
  • My Universal RX- a program that can help lower prescription costs by about 40%

PROS:
  • Super quick and easy online application that doesn’t require much information.
  • High credit limit, especially for a card with no credit check.
  • A wide variety of merchandise is available for purchase in the online store.
CONS:
  • Applicants must have either a debit card account or credit card to get approved for this card.
  • This is not a credit card, but a merchandise purchase card that can only be used at the Horizon Outlet online store.
  • The monthly fee associated with the account even if you do not use it.
Net First Platinum

Net First Platinum is a merchandise card credit line that offers guaranteed approval for applicants who meet basic criteria. Those with poor or bad credit are not excluded. Even with no credit or employment check, Net First Platinum offers customers a $500 unsecured purchase limit with the card. The application is online and takes only a few minutes to complete.

6.4 Total Score
Net First Platinum Review

For consumers with limited credited options and little purchasing power, the Net First Platinum merchandise card may be an extremely helpful option to have available. With an easy online application process that does not require a lot of detailed information, it takes only a few minutes to submit everything needed for opening an account. All applicants that meet the necessary requirements are approved. Despite that there is no credit check, all accounts are opened with a high, unsecured $500 credit limit. The Net First Platinum merchandise card can be used at the Horizon Outlet online retail store to purchase a wide variety of household, personal, and seasonal items.

Chance of Approval
7.5
Ease of Application
5.5
Interest Rate
10
Fees
4.5
Purchasing Power
4.5
User Rating: 3.15 (4 votes)