What is a Next Millennium Credit Card?
The Next Millennium Credit Card is a store card that can only be used at myuniqueoutlet.com, which sells electronics, furniture, office supplies, health and beauty products, clothing, accessories, and more. The Next Millennium Credit Card advertises guaranteed credit lines of up to $1,000, with no credit check when you apply and 0% interest on purchases.
The Next Millennium Credit Card does not report to the credit bureaus, so it won't help with credit-building. So, the main customer base would be people who shop frequently on My Unique Outlet and have bad credit. There's a $10 maximum late fee for anyone who doesn't make the minimum monthly payment: $25 or 15% of the balance, whichever is higher (or the entire balance if it's below $25).
Info on the Next Millennium Credit Card
- Where it can be used: myuniqueoutlet.com only.
- Credit required: There is no credit check, so even people with very bad credit can qualify.
- APR: 0% on all purchases permanently.
- Max late payment fee: $10
- Returned payment fee: $30
- Perks: 24/7 roadside assistance, legal assistance phone line, discounts on My Unique Outlet items.
- Credit reporting: Does not report to any credit bureaus.
Even people who are frequent customers of myuniqueoutlet.com and have bad credit probably shouldn't consider the Next Millennium Credit Card. There's no reason to have a store card that doesn't give rewards and won't help you build credit. There are much better options.
Good Alternatives to the Next Millennium Credit Card
You can also check out our editors' latest picks for the best credit cards for bad credit on the market to see which one suits your needs better.