Choice Card Approval

Enjoy the Power of Credit!

Choice Card Approval not only gives you the gift of credit but also allows you the power to purchase. Join our members-only, exclusive online shopping club upon approval to enjoy thousands of brands at your fingertips. No application is denied due to poor credit and there is no credit check!

Join Today and Start Getting Rewarded!

Choice Card Approval members are given access to our unique catalog card that comes with a $1,000 credit line. The best part is that there are ZERO credit checks and low monthly payments, so even our consumers with poor credit are still guaranteed approval. Not only that, but our members gain exclusive access to our online store. Enjoy access to thousands of brands and tons of luxury shopping, with inventory growing each day as our Product Development team finds more and more products that suit our clients. All products have a 0% interest policy, so you’re able to buy now and pay later with our payment plan! Members also receive exclusive offers and discounts regularly on top goods and services. This includes round-the-clock roadside assistance, discounted legal services, lower prescription costs, and much more!

Ultimately, Choice Card Approval is here for YOU and your convenience! The more you use it, the more you get rewarded! Active members receive Unique Rewards every month – a rewards program that is designed just for our customers! You can purchase these Unique Rewards using the Reward Dollars that you earn monthly, just for being a member with us! Reward Dollars can be used in hundreds of thousands of ways and are exclusively for our customers’ benefit, so that they can receive exclusive discounts on goods and services, both local and online. You could save on travel, get a discount at your favorite local restaurant, receive grocery coupons, and much more. The possibilities are endless! And – even if you don’t use your Reward Dollars – they are banked month over month, meaning if you don’t spend the $50 Reward Dollars you earn in month 1, you’ll have $100 Reward Dollars in month 2. That means even more options and bigger discounts, all from the comfort of your own home!

Enjoy the Power of Credit Today!

Essential Credit Suggestions

To lenders, your credit score tells them just about everything that they need to know about you and what to expect of you as a client. While good credit can make large purchases such as buying a house or car – or even getting a credit card – much easier, bad or no credit can hold up those processes and cause unforeseen issues. Many times, lenders will either deny your request for a loan or line or credit or will give you a ridiculously high-interest rate. The best way to avoid this is to make sure your credit score is in a great spot prior to making these big purchases or applying for any credit cards.

For those new to credit, the process can seem daunting to build your score up from essentially nothing. The first, and best, place to start would be with a secured credit card that has a higher credit limit. Secured credit cards are specifically targeted toward those who are new to credit, and they are much easier to get approved on than unsecured credit cards. From there, it’s a matter of keeping a low balance on your card and paying back each month on time. It’s also important not to spend more than what you can afford. Your score should take about 6 months to populate, but – with these tips – your credit should be in a great spot for future purchases or applications that involve looking into your credit score.

Building Poor Credit

Did you know that 20% of Americans have a credit score that is below 600? If you’re a part of that, we need to talk. Poor credit scores can severely reduce your options, or even make it impossible, to get accepted on applications for credit cards or loans. It won’t happen overnight, but our comprehensive guide can get you steps closer to a great credit score and the financial stability of your dreams:

Request a Copy of Your Report

You can order a copy of your credit report for absolutely free! Each of the three major credit bureaus allows you one free copy per year of each report, but it is recommended that you order your credit report once every four months.

Audit Any Errors

With these copies of your credit reports, it’s important to go through and look for any errors that may have occurred. Any errors can be reported to the major credit bureau associated and can take up to 30 days to rectify.

Allocate Your Budget Accordingly

Ultimately, a credit card is a great asset to have, but it’s important to not overspend or spend more than what you can afford to pay back. If you find yourself spending more money than you can repay, it might be time to think about temporarily freezing your card until you’re in a better financial position.

Make Monthly Payments on Time

Making monthly payments on time is the best thing you can do to ensure your credit remains in the best standing. Many credit companies or lenders will offer an autopay option so that you don’t have to scramble come the monthly due date. It’s also recommended to pay more than the minimum to decrease debt rapidly.

Decrease Your Debt Amount

Another easy way to maintain a good credit score is to keep your outstanding balance as low as possible. Below 30% is what we recommend – for example, if you have a credit line of $1,000, then you would aim to keep your debt amount below $300.

Plan to Pay Off Debt

If you have multiple loans or credit lines, you should start by paying off the one with the highest interest rate first and foremost. You should also try and make above the minimum payment. While it might feel like you’re paying more, it would actually decrease the overall amount that you pay since you would be paying less in interest rates.