While credit histories and credit ratings are huge factors for consideration for credit card approvals in the US, this may not be the case for USA Platinum Credit Card Applications. This exception occurs as USA Credit practices a policy on not checking on their applicant's credit history or employment records for approvals. To date, they have never turned down any applications for USA Platinum.

Applicants only need to be 18 years of age with a minimum monthly household income of $800. It is in fact a good credit card to start with if you have no credit history. USA Platinum Credit Card also does not charge any annual fees or rates for charges made to the card. However, registration fees come up to a whopping $149.95, which could lead to a first year total fee of close to $400. Nonetheless, this is only a one-time payment which works well for customers with credit rating problems.

Despite the unnecessary checks on credit history, all outstanding balance payments made for the card will be reported to a credit bureau. In fact, upon approval of the card application, the card holder will already be entitled to unlimited access of their credit report. Thus, if all goes well and no payments are late, the user is well on his way to establishing a stronger credit which will help them to obtain approval for another credit card.

Aside from the USA Platinum card, alternate credit cards may be of necessity in the long run, as the USA Platinum can only be used for retail purchases. However, the card caters for the spending needs of the public at the USA Shop Smart, a website that sells over 21000 products from 400 brand companies. Items here are affordable, orderable and payable online just online catalog selections, providing consumers with the convenience of shopping from home. Nonetheless, the card imposes a credit limit of $7500 with a $10 fee for late payments.