Vibe Platinum

GREAT
APPROVAL
RATES!

Get a $750 Credit Line
No Credit Check
No Application Denied For Poor Credit

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Gift Yourself the Power to Purchase!

Vibe Platinum
Vibe Platinum
$750 Credit Line

Enjoy 0% financing and gain access to our exclusive online store where you can shop for name brand products.

Low Monthly Payments

Enjoy low, stress-free payments of only $19.95 per month.

No Credit Checks

We won't perform credit checks so no application is denied for poor credit.

Buy Now & Pay Later

Start shopping now and pay later with our low monthly payment plan.

Rewards Every Month!

With the Vibe 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!

Account Benefits

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Shop Online

With your $750 credit line you will be able to shop online from where ever you are. From Home, from your Office. Remember you credit line is good to exclusively shop at MyUniqueoutlet. Click here for product repayment details.

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Personal Benefits

You will be able to enjoy benefits such as Legal Assistance, Roadside Assistance, and Unique RX discounts and the popular Unique Rewards benefits. All of this for only $19.95 /month. Click here for terms and conditions.

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Poor Credit No Problem

If you have less than perfect credit, no problem. There are no credit checks so all application will be accepted even if you have been denied credit in the past.

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Unique Rewards

Every month you remain a member you will receive $25 in Reward Dollars. There’s thousands of ways you can use your Reward Dollars. See program details

Below is a an explanation of Vibe Platinum benefits

Roadside Assistance

As a member, your Roadside Protection service utilizes a broad network of contracted, insured service providers throughout the US, Canada, and Puerto Rico to handle all types of vehicle disablement services including, but not limited to Towing, Jump Start, Tire Change, Fuel Delivery, Winching, and Basic Locksmith Services.

Legal Assistance

As a member, you are provided with one of the largest and most complete national and international sources of fully credentialed providers in the industry. The legal call center is staffed Monday through Friday from 6:00AM to 5:00PM PST and is backed up by a 24/7 live answering/intake services.

Unique Rx

Your pharmacy plan allows you to purchase prescriptions at a participating pharmacy and receive the lowest possible cost. At the point of purchase, members receive the lower of the nationally contracted discount price or the pharmacy's regular price (as submitted to our plan).

Rewards

Unique Rewards is a reward program designed just for our customers. Each month you are an active member, we deposit $25 Reward Dollars into your account that you can use in over 500,000 ways. Things like local and online shopping, saving at your favorite local restaurants, travel, entertainment and more. Plus, there are bonus gift card giveaways, fun challenges, and more!

Merchandise product examples

Vibe Platinum
Vibe Platinum
Vibe Platinum
Vibe Platinum
Vibe Platinum
Vibe Platinum
Vibe Platinum
Vibe Platinum

Tips from our Blog

Your Credit Score

A credit score helps lenders predict how likely you are to pay back a loan on time. A good credit score makes it more likely that you can get a loan for big purchases, a better interest rates, and overall helps you to save money on purchases that you want to finance over time. If you have no credit or poor credit, you might be wondering "Well, how do I build good credit?" Getting started is the hardest part because to build credit, you need credit. But building credit, while daunting, can happen quickly once you make the proper first steps.

The easiest place to start building credit is with credit cards. You can apply for a secured credit card with a higher credit limit. These cards are targeted to those who are new to credit and are easier to get approved on than unsecured credit cards. Once you are approved, it's important to remember not overdo it on spending and to limit the number of cards that you have. Keeping a low credit balance and, most importantly, paying your credit card bills on time is the best way to ensure that your credit is on the track to perfection. Your credit score when you first start can take up to 6 months to populate, but you will find that once you have a score, purchases that involve lenders and credit become much easier.

Building Credit 101

Building credit is an important step in achieving financial stability and independence. Building your credit can take time and effort, but it is possible with the right strategies. About 20% of Americans have credit scores below 600. Having poor credit can make it harder to apply for loans and credit cards, renting an apartment, and can reduce your options when looking at cell phone providers. We have created a guide on how you can increase your credit score and start making credit more available and affordable to you.

Avoid Overspending

For everyday purchases, you should strive to repay that amount every month. This will completely avoid interest charges on those amounts. If you are making larger purchases, make sure that you can afford to make more than the minimum due to minimize interest charges.

Request a Credit Report

You should check your credit reports at least once a year to make sure there are no errors that could keep you from getting credit or the best available terms on a loan. You can get a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year. Check your report for errors or fraudulent activity

Dispute errors

It is important to check your credit report for any errors. Errors can bring your score down. If you find errors, you can file a dispute with one of the major credit bureaus. It is important to explain in writing what you think is wrong, why, and include copies of documents that support your dispute.

Pay Bills On Time

One of the most important factors in your credit score is your payment history. Make sure to pay all of your bills on time, including credit card payments, loans, and utilities. Automatic payment plans can usually be setup so you don’t miss your due dates.

Reduce Your Debt

High credit card balances can hurt your credit score. Pay down your debt as much as you can, and keep your credit utilization low (ideally below 30%). Make payments that are higher than your minimum due, to rapidly decrease your debt.

Pay off Your Debt

If you have multiple credit lines, you should try to pay off credit lines with the highest interest rates first. Paying more than the minimum is a good way to pay these accounts off first. You will actually be paying less in interest rates in the long run

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