It’s not often that we see a truly unique idea when it comes to catalog credit cards, but Emporium Black offers a great alternative to the more traditional online catalog shopping sites and they’ve also got some of the best products, too!
Rather than the traditional catalog shopping sites’ style of having you purchase items at competitive prices and then make regular monthly payments (including interest), Emporium Black offers what I call a “Rent to Own” format that offers customers the option to make monthly payments or pay only the cash price if you pay the item off within 60 days. And the best part? You can get true luxury items on a “Rent to Own” basis through the Emporium website! From brand name furniture and appliances to the latest, greatest gaming systems to fine jewelry, Emporium is THE luxury catalog shopping site on the internet.
Here are just a few of the benefits of opening an Emporium account today:
Brand Name Products: Emporium offers over 100,000 high quality products in a number of categories, ranging from electronics to home furnishings to clothing and accessories.
Affordable Monthly Payments: When you buy something from Emporium, you’ll know up front what the monthly payment will be, and the date when it will be deducted from your checking account.
- Your purchases up to $1,499, 90 Days Same as Cash. (95 Days for California Residents.)
- Your purchases between $1,500 to $2,499, 6 Months Same as Cash.
- Your purchases over $2,500, 12 Months Same as Cash.Early Payoff Discount: Emporium offers you the option to pay the cash price if your order is paid as shown:
- After the periods shown, simply pay 50% of your remaining balance.
No Interest: Unlike other catalog shopping sites, there are no accumulating interest charges, your payment is set at the time of purchase.
No Fees: There are no fees of any kind associated with an Emporium account.
Easy Approval, Even for Less than Perfect Credit: Qualify in less than 60 seconds, even if your credit is less than perfect.
Get a Fresh Start on Your Credit: Emporium is a great way to build or rebuild your credit simply by making payments on time.
No Long-Term Contract: You can return your product at any time after initial term or own your product after completion of your lease. (The initial term is usually two months, although a couple of states have different requirements.)
What does it take to qualify for an Emporium account?
Emporium is actually designed for those with less than perfect credit, those who have little or no credit history, and those who typically do “rent to own” on a regular basis, and as such, it’s relatively easy to qualify for an account. Here are the basic requirements:
- Must have a verifiable monthly income of at least $1,500.
- Must have an active checking account
- Must be employed or receive retirement/pension or SSI/disability income
- Must provide proof that you are 18 years of age or older
Once you’ve filled out the easy online application, Emporium will do a soft credit inquiry, which means you won’t have to worry about the it affecting your credit report, and you’ll have an answer within about a minute. Spending limits with Emporium range from $300 all the way up to $5,000, depending on individual qualifications. Once you’ve been approved, you simply place your order and it will ship immediately, usually arriving at your door within 5-7 days! It really is that easy with Emporium.
So, if you’re looking for something a little different than your typical catalog shopping site, take a look at the Emporium Black Card. You won’t be disappointed!