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Next Millennium Card review – October 2018

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A store credit card you can use only at the My Unique Outlet site.

30-second take

  • Get this card if you shop often at the My Unique Outlet site.
  • Pick something else if you want a card that’s accepted everywhere.
  • Apply with poor credit or no credit history.
Product NameNext Millennium Card
Late Payment Fee$10
Returned Payment Fee$30
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
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The basics

If you’re a frequent shopper at the My Unique Outlet site, the Next Millennium Card can help you get the items you want, and pay for them later. Applying for the card won’t affect your credit because the Next Millennium Card won’t do a hard credit pull. Instead, it guarantees approval no matter your credit score.

However, the card doesn’t come cheap. While there’s no interest on your purchases, you’ll pay an application fee and a high monthly fee, that can add up to almost $240 annually.

The perks

  • No credit checks and guaranteed approval.

    Without a credit check, there’s no impact on your score. And even with a poor credit score, Next Millennium guarantees you’re approved.

  • No APR on purchases.

    There’s no interest on purchases. However, it’s application and monthly fee could offset this feature.

You’ll also like …

  • Membership perks.

    Get benefits like roadside assistance, legal assistance and daily discount offers.

  • Credit line.

    You get an unsecured credit line of $1,000.

What to watch out for

  • Only works on the My Unique Outlet website.

    You can’t use this card to make cash withdrawals or payments at supermarkets. You can only use the card for purchases at the My Unique Outlet.

  • High monthly fee.

    To own the card, you’ll pay $19.95 monthly fee, which adds up about $240 annually.

  • Other fees.

    You’ll pay a $29.95 application fee, $10 for late payments, NSF check fee of $30 and a fee for returned checks or debits of $30.

  • Minimum monthly payment.

    Your minimum monthly payment is either 15% of the balance or $25, whichever is greater.

  • Doesn’t report to a credit bureau.

    Unlike most other cards, this one doesn’t seem to report any of the credit bureaus. If you’re looking to build your credit, look elsewhere.

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What should I know before I apply?

To apply for the card you must be at least 18 years old, have no open bankruptcies and be a resident of the US. You cannot apply if you live in Wisconsin, Indiana or Vermont.

    You’ll need to provide information, such as:

    • Your name and address
    • Email address and phone number
    • Credit or debit card number

    While you apply, you’ll be asked several times to get a promotion for another card or a product. You can skip these without affecting your application.

    Once you send your application, Next Millennium shares your info with its marketing partners. This means you could get phone calls and texts from solicitors.

    What credit score do I need?

    You don’t need a minimum credit score or credit history to apply. Your approval is guaranteed.

    What do customers say about the Next Millennium Card?

    Customer complaints revolve around poor customer service and hidden fees.

    The Better Business Bureau rates the Unique Card Services — the issuer of the Next Millennium Card — with a B- and isn’t yet accredited.

    How to apply for the Next Millennium Card?

    1. Go to the Next Millennium Card site. Enter your email and click Continue Your Application.
    2. Complete the application form.
    3. Confirm that you content to texts and calls from Next Millennium Card‘s marketing partners.
    4. Skip the offer for other products if it appears.
    5. Enter your debit or credit card information. Click Submit.

    How long will it take to get my Next Millennium Card?

    You’ll be instantly approved.

    After your accounted is activated, you’ll receive your card within 7 to 10 business days.

    I got the card. Now what?

    • Avoid fees. Try to pay your balance on time to avoid paying a late payment fee of $10.
    • Customer service. For any questions call 888-805-7648.

    Bottom line

    If you spend a lot of money at the My Unique Outlet site and you’re looking for a card with guaranteed approval to pay for those purchases, the Next Millennium Card is an option. The drawback — you can only use this card at the My Unique site, and nowhere else. It also shares your info with its marketing partners, so you can expect unwanted calls and texts.

    If you’re looking to build your credit with a low annual fee or no annual fee at all, check out a secured card. If you’re looking for a card to use at a specific department store, a store card could what you need.

    Frequently asked questions

    Kliment Dukovski

    Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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    8 Responses

    1. Default Gravatar
      KathleenDecember 10, 2017

      Can I use this anywhere else like Walmart or stores like that? and can I go shopping online before I get my card?

      • finder Customer Care
        AnndyDecember 12, 2017Staff

        Hi Kathleen,

        Thanks for your question.

        You may not be able to use the Next Millennium Card on stores like Walmart. You may only use this card for purchases on MyUnique Outlet website which sells a wide variety of brand name items such as clothes and electronics among others.

        It is not possible to shop online before your card arrives because you need to first activate it before you can use it. You need the details on the card for the activation process.

        I hope this helps.


    2. Default Gravatar
      LanceDecember 5, 2017

      Can i get it for free?

      • finder Customer Care
        RenchDecember 5, 2017Staff

        Hi Lance,

        Thanks for your inquiry.

        To apply for Next Millennium Card. you can expect an initial fee of $29.95, that includes a $10 application fee and the first monthly fee of $19.95.

        You may get this info on this page under ‘Features’


    3. Default Gravatar
      SherrieNovember 27, 2017

      I have read about some companies that you have to pay shipping costs or even up to 15% of the product price up front then you will charge the rest is this card like that also?

      • finder Customer Care
        AnndyNovember 28, 2017Staff

        Hi Sherrie,

        Thanks for your question.

        Kindly note that when you use your Next Millenium Card to make online orders, you’ll only pay for shipping upfront. The remaining balance can go on your Next Millennium card. Concerning the reviews you have read, this is something you may have to directly confirm with the Next Millenium.


    4. Default Gravatar
      BenjaminApril 16, 2017

      Hi everybody it too bad they don’t get credit card and pay bills right away thank you

      • finder Customer Care
        HaroldJuly 12, 2017Staff

        Hi Benjamin,

        Thank you for your inquiry.

        Should you interested to apply to for the Next Millennium Card you have to meet the following eligibility criteria.
        – 18 years old or older
        – A US resident
        – A resident of the states it’s available.
        – Free from uncharged bankruptcy

        I hope this information has helped.


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