The options for credit cards are rather limited to those with a bad credit record. In fact, they are most likely eligible for credit cards that impose start-up fees ranging anywhere from $200 to $400. The USA Gold Card though has a reasonable startup fee of $149.95. While the startup fee is lower than the industry average, there are also no interest charges on purchases or even annual fees required.



What’s more, with the USA Credit’s "No Credit Check or Credit Turndowns" policy, almost anyone can apply for the card, albeit within certain restrictions and limitations. Additionally, active credit card users will relish the fact that their transactions will be reported to major credit bureaus as an unsecured credit card transaction. With a good payment track record, credit card users can then utilize this card to rebuild their credit record.

The biggest shortcoming of the card is the fact that it can only be used for retail purchases listed through USA Credit’s website or catalogue. In other words, the card can be regarded as a retail charge card that can only be used for purchases of selected goods and services. That in itself definitely lowers the appeal of this “credit card". However, some may view this as a shortcoming rather than a drawback.

In summary, the USA Gold Card would definitely be ideal for individuals with bad credit reports who are seeking for a low cost alternative to re-establishing their credit rating. In fact, this is especially true of they are open towards shopping from USA Credit’s line of items available, and view this as a platform for an ultimate purpose of gaining a good track record in spending, and paying for it.