USA Credit misleads consumers into thinking that they are of a major credit card company. People looking to build their credit are looking on line for advantages knowing that they will have to pay higher fees with low credit lines to start with. With USA credit this is misleading and after you pay the $149.95 fee for the account which they withdraw from your bank account they also charge you $20.00 monthly on top of what you may order of their merchandise of their on line catalogue. This card that you may receive (a month after they withdraw from your account) does not have a major credit card logo on it. This card cannot be used anywhere outside of their on-line catalogue. This company will tell you that they are going to charge you an over draft fee if you choose to cancel with their company. It may be cheaper and easier to go to your bank and put a stop payment on the transaction before it happens (if you went this far with them). They may by retaliation report this to your credit.
Write a letter to the credit reporting company and send copies of the rip off reports with the letter so the credit bureau can remove this from your credit report.
My suggestion to consumers is to truly investigate a company before filling out your personal information on an on-line application and agreeing to their terms.
One of the better ways to attemp to build your credit it to get a pre-paid visa or master card that allows you a program after a period of time to start with a low unsecured line of credit that you can gradually increase as you keep paying on time.
Please fellow consumers beware and prudent!
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