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National Credit Direct
Card Network
National Credit Direct
Card Type
Unsecured Store Card
Card Category

Card Description

  • FREE Credit Management Tools (Includes Your Monthly Credit Score).
  • Initial $500 Credit Limit -- No Credit Check and No Turn Downs.
  • Reports to Major Credit Bureaus So You Can Build or Re-Build Your Credit Rating.
  • 0% APR with Credit Limit Increases Up To $3,500.6
  • Use Merchandise Credit for Thousands of In-Store Products.
  • Low Flexible Payments.
  • Bad Credit - OK.
  • See the Factors Affecting Your Credit Score Each Month -- So You Know What to Fix.
  • Cash Back and Free Merchandise with Reward Points Program.

Card Rating

  • Overall Rating:
  • Interest Rates:
  • Maintenance Fees:
  • Features & Benefits:
  • Customer Service:
  • Reward Program:


  • Rewards Type: Points
  • Max Rewards: 1 Point

Everyday Card Use


  • Intro APR (Intro Period) n/a
  • Regular APR 0.0%
  • Penalty APR n/a
  • Minimum Grace Period n/a

General Fees:

  • Annual Fee $49
  • Application Processing Fee $0
  • Late Payment Fee $5
  • Foreign Transaction Fee See Terms

Balance Transfer

APR on Balance Transfers:

  • Intro APR (Intro Period) n/a
  • Regular APR n/a
  • Penalty APR n/a

Balance Transfer Fees:

Cash Advance

APR on Cash Advance:

  • Intro APR (Intro Period) n/a
  • Regular APR n/a
  • Penalty APR n/a

Cash Advance Fees:


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