You know how we all get those e-mails saying that we can get a 150 dollar gift card to Apple Bees or something similiar. Beware! You have to complete these different offers in order to qualify for your "gift".
I applied for USA Credit thinking I would get a regular credit card such as a VISA or Mastercard issued by USA Credit. Instead I was issued a useless card that I could only use on USA Shopping's website.
USA Credit asked for my account information. I figured that it was to verify my worthiness of their credit. After giving my account information, I was informed that my bank account would be debited for 149.95.
When I saw the debit on my online banking account activity statement, I called the number listed beside my transaction amount. After 30 minutes of cajoling me to keep my account open, I was told I would receive a $150 voucher to pay my credit card bill in addition to a $75 check to deposit in my account.
The majority of the USA Shopping.com prices were in red with two asterisks in front of them meaning they needed to be paid for upfront with either an e-check or another credit card. Among the few items I saw that I could by with my USA Credit account were a $40 dollar pair of jumper cables. would I pay $40 for a pair of jumper cables plus shipping, when I can go to a hardware store and get them for around $10?
A couple of days later, I googled this credit card company and found numerous complains about USA Credit/USA Shopping Club.
I saw similiar complaints about this bogus credit card. Do not ever apply for this credit card or you will be fighting for you $150 dollars.
Closing the account is a hassle because the "Customer Service Specialist" will keep trying to talk you into keeping your account open. They want you to be out the $150 and stuck with a card you cannot truly use. After two 30 minute phone calls and one 10 minute phone call I finally was able to close my account.
My advise is do not even apply for this card because you too will be charged $150 and you will have a hard time closing your account.