You Could be Approved Immediately!*
$1,000 Credit Line
No Fees!
No Credit Check
No Application Denied
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Gift Yourself the Power to Purchase!
Join the members-only club for online shopping with Choice Gold Card. Shop thousands of brands from the comfort of your own home with a $1,000 credit line. No credit checks means no application is denied!
Become a Member and Get Rewarded!
Choice Gold Card is a members-only, unique catalog card that gives you a $1,000 credit line, even if you have bad credit. Enjoy low monthly payments and NO credit checks. This means that you are GUARANTEED approval. This is all while gaining access to our exclusive online store where you can have the luxury of shopping for thousands of your favorite brand-name products from the comfort of your own home. Our Product Development team is always searching for some of the best products to offer to our members - all with a 0% interest policy. So, you can buy it all now and pay later with our payment plan! Our members regularly receive special offers at great value on some of the best, high-quality items and services. These include, but are not limited to saving money on prescriptions, discounted legal services, 24/7 roadside assistance, and more!
Choice Gold Card also benfits YOU the more that you use it. Receive Unique Rewards each month, a rewards program designed specifically for our customers! Reward Dollars are distributed into your account each month and can be used in 500,000+ ways. These Rewards Dollars can be used on benefits exclusive to our customers, such as local and online shopping, saving at your favorite local restaurants, travel, and entertainment. Do you still need more options? Check out My Unique Outlet Shopping Club for the latest products. These Dollars never expire and will still get deposited into your account every month, even if you haven't used your Dollars from the month before.
Gift yourself the power to purchase! Get started today.
Card Benefits
By joining Choice Gold Card, you gain access to exclusive benefits.
Our benefits include but are not limited to:
Save $$$ on Prescriptions
You can earn reward points while you save on prescriptions. Redeem your points for gift cards at your favorite stores.
Discounted Legal Services
Free and discounted legal services are available.
24/7 Roadside Assistance
Unexpected accidents happen. Get peace of mind with roadside assistance services.
Join Our Rewards Program
Start earning rewards and redeem them at your favorite retailers and restaurants.
Helpful Credit Tips
At a glance, your credit score can tell your potential lender what they can expect from you as a client. Good credit can make you more likely to get a loan for big purchases, get you better interest rates, and overall helps get you closer to the life you dream of with much less hassle and stress. If you're new to credit, you might be wondering "Well, how do I build good credit?" Getting started is the hardest part because to build credit, you need credit. But building credit, while daunting, can happen quickly once you make the proper first steps.
The easiest place to start building credit is with credit cards. You can apply for a secured credit card with a higher credit limit. These cards are targeted to those who are new to credit and are easier to get approved on than unsecured credit cards. Once you are approved, it's important to remember not overdo it on spending and to limit the number of cards that you have. Keeping a low credit balance and, most importantly, paying your credit card bills on time is the best way to ensure that your credit is on the track to perfection. Your credit score when you first start can take up to 6 months to populate, but you will find that once you have a score, purchases that involve lenders and credit become much easier.
Building Credit 101
Are you looking to dig yourself out of poor credit? As it stands, about 20% of Americans have credit scores below 600. Having poor credit can make it harder to apply for loans and credit cards, renting an apartment, and can reduce your options when looking at cell phone providers. However, there are steps you can take to increase your credit score so you don't have to worry about finances down the line. We have created a comprehensive guide on how you can increase your credit score and start applying for those loans you have eyed up!
Request a Credit Report
Did you know you can get a copy of your credit report for free? We recommend ordering a credit report once every four months. Keep in mind that you can only order one a year from each major credit bureau.
Look for Errors
If you find errors in your credit report, you can file a dispute with one of the major credit bureaus. Investigating a dispute can take up to 30 days so be sure to plan accordingly.
Stop Overspending
If you are spending more than you can repay, we recommend temporarily freezing the credit card. This will give you time to repay and rebuild your credit. It is also important to make sure that you are making payments on time.
Pay Your Credit Cards on Time
Most credit companies offer automatic payment plans that you can easily set up so you don’t miss your due dates. We recommend making payments that are higher than your minimum due to rapidly decrease your debt.
Lower Your Debt
When you get approved for a credit line, it is important to try and keep your outstanding balance as low as possible. We recommend keeping your credit utilization below 30%. So if you have a $1,000 credit line, try to keep your debt amount below $300.
Pay off Your Debt
If you have multiple credit lines, it is best to start paying off the ones with the highest interest rates. Try to make payments higher than the monthly minimum. While it seems like you are paying more, you’re actually paying less in interest rates in the long run.
