Pros

Guaranteed Approval: Net First Platinum guarantees approval for their card, making it a potentially reliable option for individuals with poor credit or no credit history. This card can be a stepping stone for those aiming to rebuild or establish their credit.

No Credit Check: The application process doesn't require a credit check, providing a hassle-free experience for those seeking immediate approval.

Credit Reporting: Net First Platinum reports to a major credit bureau, which can help cardholders improve their credit scores with responsible usage and timely payments.

Cons

High Fees: The Net First Platinum card charges a hefty membership fee that may be off-putting to some potential users. This fee, in addition to the monthly service charge, can make the card expensive to maintain.

Limited Usability: The card is exclusively meant for purchases from the Net First Platinum website, which significantly limits its usability compared to more versatile credit cards.

No Rewards or Cashback: Unlike many credit cards, the Net First Platinum card does not offer any rewards or cashback programs, which might be a deal-breaker for individuals seeking these benefits.

Why Choose It

If you're struggling with poor credit or looking to establish your credit history, the Net First Platinum card might be a suitable option for you. The card's guaranteed approval and no credit check feature make it accessible to a wide range of individuals. Despite the high fees and limited usability, the card's credit reporting feature can be a valuable tool for those looking to improve their credit score.Additionally, since it is not a Visa or Mastercard, its acceptance may be limited. Overall, if you are looking for a way to build or rebuild your credit, the Net First Platinum card could be a viable option for you.