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Why this revolving account may be right for you!                          Disclosure

This is the Jewelry Club everyone is talking about!

Members enjoy low cost name brand jewelry that can be financed with their club credit account.

 

 

The benefits are amazing!

  • Easy Approval Even If You Have Bad Credit!
  • Build Good Credit And Look Good Doing It!
  • Get Immediate Approval For Up to $5,000.00 of Unsecured Revolving Credit!
  • Never Pay For Shipping!
  • New Name Brand Jewelry Added Daily!
  • Elegant Jewelry That Makes You Feel Special or For That Special Someone In Your Life!

 

More about this credit building account

This credit building account guarantees a $5,000 Credit Limit to qualifying customers.

The credit limit reports to all 3 national credit bureaus, Equifax, TransUnion, and Experian.

You will enjoy access to low cost name brand jewelry that can be financed through your personal club account to start strengthening your credit profile almost instantly upon first reporting.

 

Why can this account be such a huge credit building opportunity?

Credit cards are the most popular source of credit and credit utilization has become one of the most integral factors in ranking risk.

As your credit utilization rises, your credit score starts to decrease.

Keeping a low credit utilization is good for a healthy credit score and keep yourself out of debt.

Knowing this, can you see how adding an additional $5,000 in available credit to your personal credit profile may significantly improve your overall credit utilization?

 

What is Credit Utilization and why is it so important?

Managing your credit utilization is important for maintaining a good credit score. 

The more you have in available credit, and the more careful you are in how you use it, the more responsible you will be perceived.

 

You can easily calculate your own credit utilization!

Add up all of your available credit card debt, and divide it by your total available limits. This will = your % of total credit utilization.

 

 

 

 

You can also perform this calculation on a per account basis.

If your utilization is too high, it's a signal to cut back on your credit card spending to lower your utilization.

 

Utilization counts toward 30% of your credit score and is the second biggest factor, next to payment history.

Think about it, if you are borrowing too much money on credit, might you:

  1. Appear to lenders to rely too heavily on credit?
  2. Appear to be only a single financial set back from late payments or default?

Remember, the currently used credit scoring models don't take income into consideration, and your credit profile does not identify your income. 

This is why a maxed out $500 credit card can be just as detrimental to a consumer credit score as a $10,000 maxed out credit card.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

I want this account now! What do I need to know before applying?

There is a hard credit pull through Experian.

You must meet the following criteria:

  • You must be a US Citizen
  • You must have already established some Credit History, and
  • You must earn a minimum monthly income of $1400

There are a few reasons you may be denied in addition to the above:

  • If you are in active bankruptcy
  • If you have outstanding Child Support
  • If you have excessive IRS tax liens

 

 

 

 

 

 

Click HERE to Apply today!

 

Credit Reporting and Program Fees

Reporting Criteria:

In order for the account to begin reporting and working toward improving your overall buying power, the following criteria must be met:

  • Be approved by our finance department
  • Place an initial order of $100.00 or greater
  • Digitally e-sign contracts
  • Complete down payment
  • Merchandise must be delivered by noon (EST), the last business day of the month.

And last but not least, 

  • You must esign your enrollment contract before their order can ship, and the order must be received before reporting will begin, so the faster you get through the contract and order process, the faster the account will start helping to rebuild your credit profile.

PROGRAM FEES: 

Annual membership fee of $99.00, charged at the time of joining.

There is a minimum order of $100 on your first order to trigger credit reporting. There are no minimums thereafter. 

A 50% down payment is required for all items purchased before the order will ship.

  • Once 12 months of good payment history is established, the 50% down payment requirement is removed.

No shipping fees
No monthly fees


Important note to Texas Customers: A sales tax of 8.25% is required by the state of Texas and charged at the time of shipping.