Pacific Credit Group Cards
Pacific Credit Group (PCG) offers financing solutions to people with less than perfect credit. It is a privately held specialty finance company that is headquartered in Los Angeles, California. PCG doesn't offer traditional credit cards but alternative credit solutions. Their credit services are for online use only and therefore online shoppers may find them attractive. Instant credit decision won't make applicants wait for approval decision long. Also, credit form Pacific Credit Group may become for you a way to rebuild or build your credit history as all credit activity is reported to the bureaus.
Top Pacific Credit Group Cards Alternatives
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Limit (Usable only at TheHorizonOutlet.com)
| Min. Required Credit History | Intro APR on Balance Transfers | Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|---|
| Damaged/Fair | n/a | n/a | 0.00% | See terms |
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
| Min. Required Credit History | Intro APR on Balance Transfers | Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|---|
| Bad/No | N/A | N/A | 25.64% (variable) | $35 |
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00 (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
- Checking Account Required
| Min. Required Credit History | Intro APR on Balance Transfers | Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|---|
| Fair/Poor/Bad | N/A | N/A | See Terms* | See Terms* |
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000 (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
| Min. Required Credit History | Intro APR on Balance Transfers | Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|---|
| Fair/Poor/Bad/Limited | N/A | N/A | 29.99% (Variable) | See Terms* |
Emporium Black Credit Card
The Emporium Black card is like a store credit card. It can only be used for shopping at a particular store – emporium.com. The Emporium credit card is not a Visa or a MasterCard credit card and therefore, it cannot be used anywhere outside the online store.
If you are looking for a relatively cheap way of rebuilding or building your credit, the Emporium card can become a good option for you. First of all, this card doesn’t charge interest. The issuer offers a repayment plan based on your purchase amount. Also, members have the option to pay off their balance earlier at no cost. There are no application, processing or annual fees associated with the Emporium account.
Since all payments are scheduled and fixed, you will only need to make them in a timely manner. This way of paying off will help you build a good payment history which will be reported to the credit bureaus. And good payment history will help you improve your credit over time.
Emporium credit card is a shopping account that can give you an instant access to the funds as you can qualify for the card in less than 60 seconds. However, if the Emporium card is not exactly what you were looking for, you can explore other credit offers that are good for your credit.
