Build your Credit with a Down2shop Credit Card

 In Credit Card Debt Relief


DOWN2SHOP is an online retailer with a mission to provide the best possible products and service to customers without them feeling like they are anonymous. We strongly recommend the Help Card from Down2shop.

  • Fast reporting to all 3 credit bureaus
  •  500 minimum Equifax credit score required for approval.
  • Unsecured credit lines up to $6500 with approved credit
  • Quick & Easy application!

Removing negative items is only one part of raising your credit score. The other part is opening new lines of credit considering they account for 30% of your credit score.

Processing Fee: $125-only charged if approved
Up-front Deposit: None – this is an unsecured card and your credit limit is determined by your credit score and debt-to-income ratio
Annual Fee: $100 per year- billed @ $25/month for first 4 months
Credit: Limit Ranges between $1,100 and $6,500 depending on your qualifications
Reporting: Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks
Interest Rate: 21% APR on purchases only (not fees)
  • Credit pull – Minimum Equifax score of 500 FICO
  • Debt-to-income ratio < 80%
  • Must have a valid Social Security Number and pass FRAUD CONTROLS (#1 reason for decline). Fraud Alerts/Freeze acceptable as long as contact number has been added. Call Equifax Live Customer Support at 800-846-5279 to add contact number and please allow 48 hours for them to make the changes before applying.
  • Follow application instructions above. You will be notified immediately whether you’re approved. If declined you will be offered a Secured Credit Card instead.
  • Make a small purchase at Down2Shop to activate your card & credit reporting. (One purchase financed of any product of any amount (no min). Products are as low as $5.)
  • Account will report to your credit as “Help Card/HCcredit” within approx. 1 week of purchase
  • Will need to pay $25/mo for 4 months to pay off the annual fee
  • You are not required to use the card after that for it to report. It would be a good idea to make some small purchases during the year to keep it active, however.


A new account like this can often add 30 to 50 points to your score within 60 to 90 days. Credit lines begin at $1100 and go up to $6500. Click the link below to apply.

and check out the video below for more info.

Recent Posts
Secured Credit Card PageUpgradeUSA Credit Building