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Overall Rating:

(4 out of 5)

Benefits Rating:

(4 out of 5)

Credit Needed for Approval:

Bad credit OK! No credit OK!
GUARANTEED APPROVAL!


New Millennium Platinum

Orchard Bank Secured

 -- No credit checks.
 -- Guaranteed approval.
 -- Credit limits up to $10,000.
 -- Build your credit! Reports to all 3 credit bureaus.
 -- Emergency cash transfers.
 -- Auto rental insurance.
 -- $100,000 travel accident insurance.
 -- Extended warranty protection.
 -- Special high introductory savings rate.

Interest Rate

Intro
Rate
Grace
 Period
Credit
Line
Annual
Fee
Late
Fee
Over Limit Fee

19.5%

N/A

none

Generous Credit Limits

$59

$20 $20

NEW MILLENNIUM PLATINUM
This type of credit card is ideal for those looking to rebuild their credit! It is a secured card with a $300 minimum deposit and $5,000 max. Approval is 100% GUARANTEED! In the event that you are not approved, you will be reimbursed double the cost of processing.

Most Attractive Features:
 -
Travel Incentives - New Millennium will give you a FREE ticket for your companion upon approval as long as you buy one roundtrip ticket from API (Airline Promotions Inc.) within the Continental US with a minimum ticket price of $349.00 (during low season 9/15 to 1/15) or $379.00 (during high season 1/16 to 9/14). You will also receive a $69 cash rebate when you make your first Condo reservation through TheWorldsBestTravelClub.com.
 - Rebuild/build Credit - Your account activity will be reported to all three major reporting agencies every month.

Additional travel benefits include emergency cash transfers, free $150,000 accident insurance, free auto rental insurance, and free extended warranty protection.

The one major downside of this card offer is that there is no grace period. Therefore, finance charges will incur even if you pay in full each month. There is a one-time application fee of $69.95 and annual fee of $59.

Important Notations
See website for complete terms and conditions of card usage and application disclosure.

 

 -Bad Credit
   --Tribute Gold MasterCard
   --
Orchard Bank MasterCard
   --
Imagine Gold Unsecured
   --Orchard 2% Cash Back
   --New Millennium Platinum

-Rewards
  --Blue from Amex
  --Amex Delta Rewards
  --BOA MilesEdge
  --BOA Efectiva Visa
  --BOA Money Return
  --BOA Power Rewards

-Students
   --
Discover Tropical Student
   --Discover Classic
   --Discover Clear
   --Citi Platinum Select
   --Citi mtvU
   --
Citi Driver's Edge
   --Citi Dividends
   --Chase Universal
   --Chase Flexible

-Gas Rebates
  --Citi Driver's Edge
  --Chase Perfect Card
  --Discover Gas Card


 

 

 

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