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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » Can you please help me choose between Luxe signature and Vast platinum 1. is this a ...

Can you please help me choose between Luxe signature and Vast platinum 1. is this a credit card 2. can I use it for shopping everywhere 3. what are the maintenance charges?

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Leo Zhu

The LUXE Signature Merchandise Card and Vast Platinum cards are both unsecured credit cards which can be used at a particular website. These are catalogue credit cards and they cannot be used outside the site of the issuer. The Luxe card monthly maintenance fee is $20 and the monthly maintenance fee for the Vast Platinum card is $19.95.

If you want a credit card which you will be able to use everywhere, consider applying for a secured credit card. To get a card you will need to put down a security deposit. The minimum deposit is usually around $200. Your credit activity will be reported to major credit bureaus, so you will be able to build your credit and later apply for an unsecured credit card.

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