USA Credit

[LS2982]

Has anyone ever heard or dealt with this company? I got a phone call today saying I'm preapproved for a 2.5K credit card for use on their website www.usashoppingclub.com. I gave them my info (I'm kicking myself right now) and they said there is 0APR and no fees but a one time 109.95 activation fee. Someone PLEASE tell me this is legit and not a scam I'm worryig bigtime right now

[aftermath]

Never heard of them.

[trumpet-205]

First, you need to stop applying. I know you want to improve your credit score, but applying credit non-stop will kill your scores. Your FICO scores is really low for any prime lenders.

Second, USA Shopping Club have bunch of negatives comments. Some said it is a rip off site because they charge 2x-3x higher for price compare to other competitors. Others said they are a complete scam. Do Google search online.

Third, I have not heard any lenders calling to individuals to inform of their preapproval. Lenders sent mails (sometimes email) to inform preapproval, but no one would phone call you.

The way I see it, this is a complete scam (but legit like First Premier), especially $109.95 activiation fee which apart from First Premier no one would do such thing. Keep a very close eye on all three of your credit reports and say no to USA Credit.

[minerva]

Some quick googling turned up these.

Rip off report

pissed off consumer

consumer complaints

Seems to be a legitimate company, just more of a sub-prime fingerhut.

[LS2982]

I just cancelled it. I got a confirmation # and the name of the rep. i talked to. Too shady for me. I also put a stop payment on my bank acct for USA credit. i plan on cancelling this acct as i dont trust this place at all . It was a dumb move on my part

[aftermath]

---

@LS2982 wrote:

I just cancelled it. I got a confirmation # and the name of the rep. i talked to. Too shady for me. I also put a stop payment on my bank acct for USA credit. i plan on cancelling this acct as i dont trust this place at all . It was a dumb move on my part

---

You really should be more cautious about giving a stranger over the phone your personal information, especially for a company you never heard of to the point you had to come online to ask people.

Shame on you!

[LS2982]

---

@aftermath wrote:

---

@LS2982 wrote:

I just cancelled it. I got a confirmation # and the name of the rep. i talked to. Too shady for me. I also put a stop payment on my bank acct for USA credit. i plan on cancelling this acct as i dont trust this place at all . It was a dumb move on my part

---

You really should be more cautious about giving a stranger over the phone your personal information, especially for a company you never heard of to the point you had to come online to ask people.

Shame on you!

---

Yea I know. I kicked myself in the a** all day for it. Im not applying for anything until 6 months from now. (Iknow ive said that before but i MEAN that now with this crazy situation lol)

[Anonymous]

Dude you make me crack up every time I read your post! Lol but reading your posts Is the second thing keeping me from applying to anything till december.

[LS2982]

---

@Anonymous wrote:
Dude you make me crack up every time I read your post! Lol but reading your posts Is the second thing keeping me from applying to anything till december.

---

I make you laugh?? Really?? Why??

[Anonymous]

Cause we both started at about the same scores but I already stopped applying...but your my other side where I can see what would've happen if I kept applying