Before paying the 80 processing fee to USA Credit I was led to believe that I would receive $7500 online credit card to be used to purchase brand name items that I could find at Stores such as Sears or Wal-Mart. However I was not able to access the online catalog to view these items until after I paid the fee. I also was told that my $7500 credit limit would be reported to credit bureaus and help build or boost my credit.
After paying the $80 and receiving access to the web catalog, I find that the majority of high end quality merchandise can not be charged to my $7500 credit limit but must be paid for upfront because these items are supposedly at a Membership discounted price. A quick search shows that most of these "discounted" prices are actually higher than at other stores such as Wal-Mart, Sears, Best Buy... Ect.
All of the merchandise that I am able to charge to my credit line are cheap in both quality and value. Things such as board games and cheap jewelry and cologne and old DVD's. I mean what good is a $7500 credit limit if the only thing I can charge on it is Scrabble or the movie Batman, or Barbershop?
I spoke to customer service to opt out of there supposed "Elite Membership" for 19.99 a month which includes roadside assistance, prescription drug benefits and unlimited access to my credit information. When I cancelled she mentioned to me the "11000" yes Eleven Thousand items that I could charge to my card so I go to the website again and look and all I see is about 110 Items I can charge to my card and none of them over $60 in Value.
I feel this company is a Scam using false advertisement and marketing schemes to prey on people trying to rebuild there credit. What they are really doing is charging people a monthly fee in exchange for reporting a $7500 line of credit to credit bureaus. But they may not even do that for after I paid the $80 and recieved my "welcome package" I noticed that it said " USA Credit reserves the right NOT to report your credit to credit bureaus. I have checked my credit report and so far there is nothing on there from USA Credit, but it has not been over 30 days since I bought into the service So I dont know.
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