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Help Card from Down2Shop

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  • No upfront deposit required
  • Minimum Equifax Score 500 (FICO)
  • Reports to all 3 Credit Bureaus
  • Limit Ranges between $1,100 and $6,500 depending on your qualifications

This is an unsecured card for people with challenged credit scores, financed by an FDIC bank, and with your payment history being reported monthly to the BIG 3 bureaus.

  • You must have a positive open Revolving account for great credit scores 
  • Limit 1 card per person  
  • Cards are only individual, not joint accounts  

Processing Fee: $125-only charged if approved 

Up-front Deposit: None – this is an unsecured card and your credit limit is determined by your credit score and debt-to-income ratio

Annual Fee: $100 per year- billed @ $25/month for first 4 months

Credit: Limit Ranges between $1,100 and $6,500 depending on your qualifications

Reporting: Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks

Interest Rate: 21% APR on purchases only (not fees)


  • Credit pull – Minimum Equifax score of 500 FICO 
  • Debt-to-income ratio < 80%  
  • Must have a valid Social Security Number and pass FRAUD CONTROLS (#1 reason for decline). Fraud Alerts/Freeze acceptable as long as contact number has been added. Call Equifax Live Customer Support at 800-846-5279 to add contact number and please allow 48 hours for them to make the changes before applying.  


  • Follow application instructions above. You will be notified immediately whether you’re approved. If declined you will be offered a Secured Credit Card instead. 
  • Make a small purchase at Down2Shop to activate your card & credit reporting. (One purchase financed of any product of any amount (no min). Products are as low as $5.)  
  • Account will report to your credit as “Help Card/HCcredit” within approx. 1 week of purchase 
  • Will need to pay $25/mo for 4 months to pay off the annual fee  
  • You are not required to use the card after that for it to report. It would be a good idea to make some small purchases during the year to keep it active, however.  

We are looking forward to working with you and I'm here to assist each of your customers.  I'll be happy to answer any questions you may have.  Our GOAL to lend a hand and better position your customers for SUCCESS in the future.