A store credit card you can use only at the My Unique Outlet site.
- 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 Name||Next Millennium Card|
|Late Payment Fee||$10|
|Returned Payment Fee||$30|
|Additional Cardholder Fee||$0|
|Rates & Fees||Rates & Fees|
|Minimum Age||18 years of age|
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.
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.
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Get benefits like roadside assistance, legal assistance and daily discount offers.
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.
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.
Consider other cards if …
You are loyal to other department store brands.
Check out other store cards to find a card for the department store you shop at most, including Walmart, Fingerhut, Target and more.
You want to build credit.
The UNITY Visa® Secured Credit Card could be a decent card for building credit. Aside from that, you’ll get one of the highest credit lines a secured card offers, and you can make balance transfers.
Alternatively, the OpenSky® Secured Visa® Credit Card may be a better choice. It lets you build credit and they don’t pull your credit when you apply.
You want cash back.
However, if you have a higher credit score, the Blue Cash Preferred® Card from American Express from American Express could be a great choice. You’ll earn high cash back on groceries, gas and for purchases made at select department stores.
Compare store cards
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?
- Go to the Next Millennium Card site. Enter your email and click Continue Your Application.
- Complete the application form.
- Confirm that you content to texts and calls from Next Millennium Card‘s marketing partners.
- Skip the offer for other products if it appears.
- 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.
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.