We say yes to the credit you deserve! Are you tired of being denied?
Complete our easy application and your results will be ready immediately. If approved you will have instant access to your $750 merchandise credit line.
If you have less than perfect credit or no credit, then NetFirst Platinum is perfect for you. After completing our fast and easy application process, you will receive a $750 merchandise credit line from NetFirst Platinum.
0% financing when you purchase popular brand name products exclusively at our online store. Shop from the convenience of your own home.
Our no strings attached membership means that you have access to credit without a monthly fee. Just make sure to maintain and pay for your purchases.
The NetFirst Platinum membership is designed for people with little to no credit. No application is denied because of bad or limited credit history.
Good credit is essential for achieving a number of different financial goals. It can help you get a better interest rate on a mortgage, which could save you thousands of dollars over time. Even if you don't have plans to purchase a home, you'll likely need to do a credit check before renting an apartment or being approved for a car loan.
Building up your score requires patience and strategy. One of the best methods is using a credit card. This increases the number of accounts you have in your report, and it gives you an opportunity show that you're a responsible borrower. Simply signing up for a card isn't enough, though. You have to use the card correctly so that it boosts your score instead of damaging it. Here are four tips for using a card for credit-building purposes:
Before approving your application, almost all lenders check your score to make sure you're a trustworthy borrower. Having too many inquiries can negatively affect your score, though, so you shouldn't apply for more than one card at a time. Some cards and companies have stricter requirements than others, and the best way to boost your score is to carefully research your options before submitting an application. This helps to ensure that you won't hurt your score by undergoing too many unnecessary inquiries.
Many companies offer pre-approval screenings, which tell you your odds of approval without conducting an official credit inquiry. A pre-approval is a quick and easy way to make an informed, confident choice when choosing a card.
You can boost your score by using your credit card consistently and paying off the balance in full each month. Many people use their cards for monthly automatic payments, including utility bills, subscription fees, or cell phone bills. By attaching your card to these payments, you don't have to worry about remembering the due dates, and you reduce your risk of accruing late fees or negative marks on your credit report.
Keeping a low balance on your card is one of the best steps you can take to improve your credit. Your card balance is a major contributor to your score, so you should aim to keep the utilization rate below 10 percent. For example, if you have a $1,000 limit, your balance should never exceed $100. Not only do you avoid interest by paying your balance in full, but you can make a dramatic difference in your score.
Lenders love to see a perfect payment history, and one delinquent payment on your card could have a big impact on your score. No matter what the balance on your card is, you must make at least the minimum payment by the due date every month. If you're concerned that you won't remember to pay the bill, set reminders on your phone or computer. Some card companies allow you to set up automatic monthly payments from your bank account, too.
A credit card can be an excellent tool for credit-building if you use it correctly. By applying for an appropriate card, keeping the balance low, and making consistent payments, you'll see a significant difference in your score within a year. Take your time when researching your card options to make sure you choose the best one for your situation. If you're careful with the card, you'll be on the path to long-term financial success.