Accepted Platinum

Great Approval Rates!*

Get a $1,000 Credit Line • No Credit Check • No Application Denied For Poor Credit

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Accepted Platinum Card
Accepted Platinum Card

Reward Yourself With the Benefits Of a Credit Line

Accepted Platinum is a members-only club for online shopping. Shop from the convenience of your home exclusively at MyUniqueOutlet and enjoy 0% financing.

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Enjoy a $1,000.00 Credit Line!

0% Financing On brand name products exclusively at our online store MyUniqueOutlet.

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Low Monthly Payments

Enjoy amazing benefits Like 24/7 Roadside Assistance. Legal Assistance. Low payments Of only $19.95/mo. Click here for more details.

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No Credit Checks & No Credit Turndowns!

All credit types accepted. You will not be denied for bad credit.

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Buy Now Pay Later

Purchase your products now And enjoy our low monthly payments. Click here for more details.

Rewards Every Month!

With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways!

Program Details

Establishing Credit Tips

Keep Your Credit Utilization Down

After payment history, credit utilization is the next significant factor that affects your credit score. It's tempting to use your high credit limit to make large purchases and pay them off over time, but it's a bad idea. You'll end up paying interest, and your credit score will suffer immediate damage. Instead, keep your utilization under 30% of your overall available credit for an optimal credit score. If you're currently using over 30% of your available credit, paying it below that threshold will rapidly improve your score.

Paying Your Bills on Time is Fundamental to Good Credit

Payment history is the most significant factor credit bureaus look at and hugely impacts your creditworthiness and score. Paying your monthly bills on time, every time, is the most critical action you can take to improve or maintain your credit. A history of even one late payment can drag your score down for over seven years. If you have a late payment that's been outstanding for more than 30 days, call the creditor immediately. They may be willing to forgo reporting the issue to the credit bureaus if you can work out a solution with them.

Keep Your Balances Low

Whether you want to improve a less than stellar credit score or sustain a perfect one, it's essential to keep the balance on your cards as low as possible. Your card balance weighs heavily on your score, and your total utilization on a single card should not exceed 10% from month to month. Ideally, pay your balance in full each month. This approach helps you avoid paying interest, and it's one of the best ways to make a substantial difference in your score.

How to Rebuild Your Credit

Rebuilding your credit can be a challenge, but it's never too late to start. With time and discipline, you'll begin to see results. Paying down your existing debt as quickly as possible in large sums is the fastest way to improve your score, but you might find that you still have a way to reach your target score. If you haven't already, set up auto-pay for all your monthly expenses, so your credit never takes a ding from a late or missed payment. Over time, your score will continue to improve.

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