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Bad
Credit Credit Cards |
Whether you're trying
to establish credit, save your major
credit cards for an emergency or
you need to rebuild
credit, Crown Jewelers credit
card program is the right one for
you.
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Crown Jewelers offers
a no credit check, zero-down credit
card program for people with bad
credit or no credit who are
looking for an ethical way to improve
their credit score that's easier
to manage than prepaid
credit cards.
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Crown Jewelers does
not review your credit report
for credit approvals. All we verify
for approval of your online application
is if you have a prior account history
with Crown Jewelers, your identity,
employment, and contact information.
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Below
you will find a step-by-step guide
to improving your credit score in
as little as 30 days using our credit
cards program. |
Rebuild
Your Credit! |
Step
One: If you meet the above requirements,
and have been looking for a bad
credit credit cards please click
here to apply. |
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Step
Two: Once you get
your approval login, make a purchase
on your account. The recommended purchase
amount to help you establish a payment
history and qualify for a zero down
upgrade is $300, but you can purchase
any amount you are comfortable with. |
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Step
Three:Once we ship your order,
Crown Jewelers will report your account
to all three major credit bureaus
within 30 days. This positive trade
line on your credit report should
give your credit score an immediate
boost. |
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Step
Four: Make
your monthly payments on time. Unlike
secured
credit cards or prepaid cards
payment history for your unsecured
credit lines is the biggest factor
in calculating credit score. Every
on time payment should improve your
credit score, whereas late payments
can really hurt your credit score.
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Step
Five: Pay on time for six months
or more and Crown Jewelers will upgrade
your account to zero down with a qualified
credit limit. To maintain a zero down
account status, all your future payments
must be on time, your contact information
must remain valid and your account
must remain active for at least six
months out of the year. |
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What
is my qualified credit limit?
With a Crown Jewelers
account, the monthly payment for a
balance of $1000 is $50 a month. If
you have been making payments of $50
a month over the previous six months
with no late payments, you will qualify
for a $1000 credit limit at zero down.
Similarly, a $75 monthly payment will
qualify you for a $1500 credit limit
at zero down. |
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Would I be able
to buy over my credit limit?
Yes, the system will
allow you to exceed your credit limit.
However it will require an additional
down payment only on the amount exceeding
your credit limit. |
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