Unsecured Credit Line from National Credit Direct for Any Credit


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Credit Card Applications » Research » Reviews » National Credit Direct » National Credit Direct: Unsecured Credit Line with 0% Interest Rate

National Credit Direct: Unsecured Credit Line with 0% Interest Rate

Updated: April 12, 2018

The content is accurate at the time of publication and is subject to change.

If you do not have credit history and don’t know what credit card to choose to start with, the National Credit Direct credit card can become your first card. People with bad credit and with past credit problems can also get approved for the National Credit Direct card even if they were turned down by other creditors. You won’t be required to pay a collateral deposit because it is an unsecured credit account. But since it is not a traditional Mastercard or Visa card, you will only be able to use it for shopping at nationalcreditdirect.com.

Required Credit History:
APR on purchases: 0.0%
Activation Fee: $0
Annual Fee: See Terms*
Special offers:

National Credit Direct offers an unsecured credit account for shopping at National Credit Direct online store. Now you can buy high quality brand-name electronics or finance computer you dreamt of even if your credit is bad. Except electronics you can buy home appliances, jewelry, toys, and accessories, all under affordable payment plans. The products can be eligible for free shipping and you can even get a discount if pay off the balance of your purchase within 90 days from the shipping date.

Earning rewards:

As with any major credit cards, you will be able to earn reward points when... you make payments on your NCD credit account. That's right, you will earn points as you pay off your purchases. The rewards program is pretty simple – 1 dollar paid will bring you 100 reward points. It’s rather generous rewards program assuming that National Credit Direct credit card is for people with bad credit.

Redeeming rewards:

Earned rewards can be redeemed for all kinds of electronics and home goods. Need cash? No problem! Just contact the National Credit Direct customer service or log in to your account to redeem your points for a cash reward. When you redeem points for cash you will receive $1 for 2,000 points.


The above-all benefit is the ability to build credit history for people with either no credit or bad credit history. National Credit Direct reports account activity to a major credit bureau. Plus, you will receive your free credit score every month. Make payments regularly by the due date, monitor your credit score and you can boost your credit score over time.

In addition to the ability to build credit history, National Credit Direct offers supplemental member benefits. The benefits include discounted family legal care, ID theft restorations service, roadside assistance in selected states, prescription savings, travel & automotive discounts, and unlimited tech support. These benefits are free of charge during a 2-month trial period. After the free trial period ends, you will be charged a $19.99 fee a month. The member benefits can be canceled anytime.


The National Credit Direct credit card is worth applying when you do not have credit history or your credit history is damaged. The prospect of shopping at only one online shop may discourage you, but look at it from a different angle. National Credit Direct credit card gives you more than you may think. National Credit Direct is an unsecured line of credit, 0% APR, affordable payment plan, high credit limit to buy a computer you dream of, bonus points rewards program, and ability to improve your credit history. Manage National Credit Direct account with all your responsibility and you will be able to apply for a general credit card over time. Once you are ready to apply for a line of credit from National Credit Direct, make sure to have your active bank account info handy - you will need it while filling out the application.

National Credit Direct - National Credit Direct
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Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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  • Karren Hampton

    What if i dont have an active checking account

    • CreditLandCom

      You can provide an active debit card, credit card or any other active bank account.

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