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Why this revolving account may be right for you!                          Disclosure

This is the Credit Building Retail Membership Club everyone is talking about!

Shop Computer Tables & Networking, Cameras & Photos, Cell Phones & Accessories, Video Games & Consoles, Consumer Electronics, Jewelry & Watches and so much more!

 

Click the Button Below to Apply Online and Shop to Build Credit Today!

 

The benefits are amazing!

  • Monthly Credit Reporting to Equifax and TransUnion
  • Easy Online Application.
  • Fast Approval For Revolving Credit Accounts Up To $5000.
  • Low Monthly Payments On Balance.
  • No Monthly Servicing Fees.
  • New Name Brand Products Added Daily!

To Qualify For An Credit Account, You And Any Applicable Co-Applicant, Must Meet The Below Requirements At Time Of Application.

  • Yes! Joint accounts are available!!!
  • 18 Years Of Age Or Older.
  • Be A US Citizen.
  • Valid Social Security Card And Identification.
  • Prior Credit History.
  • Monthly Household Minimum Income Of $1600.

How To Start Your Online Credit Account Application.

  • Place A Minimum Of $100 In Products In Your Shopping Cart And Click Checkout To Complete The Online Credit Account Application.
  • Be A US Citizen.
  • There Will Be A Down Payment Required Up To 50% Of Your Order Total When Applying.
  • Log In To Your Credit Account And And Click On The "E-SIGN DOCUMENT" Tab To Sign Your Credit Agreement. This Must Be Completed To Activate Credit Account.
  • New Coast Direct Will Charge Sales Tax On Order Shipped To TX Prior To Shipment.

Frequently Asked Questions

  • YES, New Coast Direct will report your Credit Account to the bureaus monthly.
  • YES, we do have joint Credit Accounts for applicants of the same household/address but must be completed at time of application.
  • NO, New Coast Direct does not mail statements but will email statements monthly. You can also log into your account to view statements and make payments.
  • YES, there is a minimum monthly payment fee of $40 or 5% of the balance which ever is greater ONLY if you have a balance. If you have a zero balance, there are no monthly payments.
  • NO, we do not add authorized users to the New Coast Direct Credit Account after the application has been submitted.
  • YES, there is an annual fee of $95 to keep your account open and in good standing.
  • YES, you can qualify for a NO down payment on additional orders with 12 consecutive months of good payment history and approved credit scores.
  • NO, there are no monthly fees if you have a zero account balance.

 

Click HERE to Apply today!

 

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 TransUnion.

New Accounts Report Monthly to TransUnion and Equifax.

Fully Refundable Membership fee and down payment if not approved.

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 $1600

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!