Anyone with bad credit qualifies for a Merit platinum card, claims CreditCardsCo. However, a Merit platinum card is not a traditional credit card with a guaranteed credit limit. A Merit card is a shopping card consumers use to purchase goods from Horizon Outlet, an online store.
A Merit platinum card does not require an employment or credit check since the card is not a traditional credit card that charges interest, according to Beverly Harzog, the noted consumer advocate. Anyone who applies for a Merit card receives an automatic approval and an unsecured spending limit of $500. However, the company claims it reports on-time payments to each credit reporting agency, as of 2015.