Mad Rich

All American Gold Catalog Card is useful for those people who desire to establish or re-establish their credit. As this is a catalog store value credit card, it can be used only at usashoppingclub.com. This Shopping Club provides more than 14,000 products.

The All American Gold Catalog Card has a one time application fee. The advantage is that there is no yearly fee or monthly processing fee that generally exists for other credit cards in this group. There are no interest charges. However, the owner has to pay an amount which is either 15% of the balance or some fixed monthly payment. The credit payments are reported to a single major credit bureau. The terms and conditions do not specify the credit bureau where the reporting has to be done.

To apply for this card, there are no credit or employment checks. However, the person must be free from bankruptcy. The person gets an unsecured credit line of some specified amount. At the beginning, this amount is low and as the person makes timely payments, the credit limit is gradually raised. The All American Gold Catalog Card has a $300 grocery gift card. This has 30 coupon certificates of $10 value each.

The All American Gold Catalog Card offers a 30 day free trial during which the credit report can be accessed. This is possible only after approval. It is not specified from which credit bureau the report can be obtained. When the period of 30 days is over, the person is charged $9.95 per month if the credit report is to be accessed, unless it is informed that the service is being cancelled. This procedure can annoy many people as they are not even aware that they are being signed up for this service. Every year, the owner of the card can get a free report from the three major credit bureaus. If the person desires to get quick access to the reports and credit scores, then this service can be bought from the credit bureaus.

As per the terms and conditions, the owner is automatically offered a 30 day trial of All American Gold elite membership program. As the person holds the card, he is a member of the USA shopping club. As he is the Elite status member, he would get privileges as per the USA Emergency Roadside Assistance plan, USA Prescription Discount plan and USA Credit Care. Those who opt to be elite members are charged $19.95 monthly fee, till the member calls the company to cancel the membership. This is similar to a monthly $19.95 payment to USA Gold.

As per the website, the cardholder has an opportunity to win a free DVD. To try to win this DVD the person has to enroll for a membership of an external website freecooloffers.com. The cardholder is not enrolled automatically or offered a free trial.

When a person applies for this card, he authorizes the All American Gold Catalog Card to debit from the bank account an enrollment fee and an application fee. This application fee cannot be refunded. The highlight of this card is that there are no transaction fees and monthly processing fees. The disadvantage is that the person has limitations regarding the use of this card.