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National Credit Direct

apply online
BASICS
Card Category
Consumer
Minimum Credit
Level Needed
Bad/Fair
Card Type
Unsecured Store Card
Card Rating
CreditCardMenu.com evaluates each card offered on the site using several criteria (e.g., interest rates, fees, benefits, rewards programs) in order to help you choose a card. This rating reflects CreditCardMenu.com's opinions, beliefs and experiences with credit card products presented and reviewed on this website. This rating is not influenced by payment considerations.
RATES
Intro APR on Purchases (Intro Period)
n/a
Intro APR on Balance Transfer (Intro Period)
n/a
Ongoing APR (Purchases)
0.0%
Ongoing APR (Balance Transfers)
n/a
Ongoing APR (Cash Advances)
n/a
CARD FEATURES
Available Rewards

Cash

Points
Card Description
• Instant $500 Credit Line
• Reports to Trans Union, Equifax and Experian
• Shop Exclusively at NationalCreditDirect.com
• No Over Limit Fee
• Bad Credit, No Credit, No Problem
• Build Your Credit and Payment History with Unsecured Credit Line
• 5% Cash Back on All Purchases or FREE merchandise6
• Instant Response -- Start shopping in just minutes
FEES
Annual Fee
See Terms*
Application Processing Fee
$0
Balance Transfer Fees
See Terms* (min=See Terms*, max=See Terms*)
Cash Advance Fees
See Terms* (min=See Terms*, max=See Terms*)
Foreign Transaction Fees
See Terms* (min=See Terms*, max=See Terms*)
Late Payment Fee
$5
CARD REVIEW

National Credit Direct: Unsecured Credit Line without Hassles

It can be frustrating when you cannot buy a new computer because of bad credit history. National Credit Direct guarantees you can buy high quality electronics and other goods even if you had credit problems in the past. Their financing program is available to everyone regardless of credit history.

National Credit Direct is an unsecured credit line that allows customers to buy name brand electronics and home goods from their online catalog at nationalcreditdirect.com. The account payment activity is reported to a credit bureau - so those who are looking for credit improvement should dig onto the deal.

Who can get it: Anyone can get financing from National Credit Direct. Even if you have never had a credit card before or your credit was ruined badly because of bankruptcy, you still can be approved and start using credit immediately. Financing is guaranteed to legal U.S. residents of 18 years old or older.

What you get with it: The National Credit Direct credit card is only good for use at nationalcreditdirect.com. You can buy electronics and goods for home there and every dollar you pay brings you cash back rewards redeemable for additional free merchandise or even cash. National Credit Direct main shopping categories are:

  • electronics
  • home goods
  • jewelry
  • apparel
  • toys
  • accessories
Why you should apply: National Credit Direct is a chance for people with bad credit to make a fresh start. The approval is guaranteed even for people with bankruptcy. Although National Credit Direct is not a Visa or MasterCard credit card you still can use it for shopping. It gives access to an initial credit limit of $500 instantly after approval. All your payment history will be reported to the major credit bureaus, which will allow you to rebuild your credit.

Fees and charges to consider: The card has 0% interest on all purchases, so you won’t need to pay any interest even if you are carrying a balance. You will need to make minimum monthly payments which are rather low. There is no activation fee, but you will need to make a down payment of $99 (or a 20% down payment) on any item you buy at nationalcreditdirect.com.

CARD INFOGRAPHIC
FAQs
What is National Credit Direct?
Who can get the National Credit Direct credit account?
Where can I use National Credit Direct?
What are the benefits of having the National Credit Direct credit account?
How much credit will I get with National Credit Direct?
What is the APR for the National Credit Direct card?
Will National Credit Direct report to credit bureaus and help me build my credit?
What kinds of things can I buy through National Credit Direct?
What fees does National Credit Direct charge?
Does the National Credit Direct have a rewards program?
What type of payment plans does National Credit Direct offer?
How can I contact National Credit Direct?

Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.

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CreditCardMenu.com is an independent, advertising-supported website. CreditCardMenu.com receives compensation from the credit companies whose offers appear on our website. Compensation may have an impact on how and where credit products appear on the website, including, for example, the order in which they may appear within reviews. CreditCardMenu.com does not present, nor does it review all available credit offers.

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