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If you want to improve your credit history the National Credit Direct credit card is a great option. The company extends an unsecured line of credit and the payment activity will be reported to the credit bureaus. The card does not charge interest on purchases, but you will be charged some fees. There is a $49 annual fee, if you are late with a monthly payment, you will pay $5, and you will have to pay $15 for any returned payment.

The National Credit Direct is a company that sells electronics and other goods for home. The shopping card is a financing program so purchases can be paid over time. National Credit Direct card can only be used at Cardholders also get exclusive offers and earn reward points for every dollar spent.