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Start Building Your

Credit Today!


Some Requirements (Not limited to)


-You need to have an existing checking account

-Minimum 540 Vantage Credit Score note: Having the above does not auto approve you. The bank will still look at other factors when making a decision. Is there a credit check when I apply? 


The pre-qual process is a soft pull (page 1 when consumer submits an app).If the pre-qual offer is accepted and the applicant submits a full application (page 2), that is a hard pull.


How long does it take to make a decision about my application? In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision on your Surge credit card application which could take up to 30 days.

Online Jeweler           Club

Fast Approval Of Up to a $5,000 Credit Line

How to qualify for a membership?

To qualify for an account with  you must meet the minimum below criteria:

 US Citizen.
Be 18 years or older.
Have a valid social security number.
Have a monthly household income of $1400.00.
Complete our quick and secure online application.

Prior Credit History, Good or Bad.

How does the account work?

Start your account in 3 easy steps.

 Place a minimum of $100.00 of our top quality products into your shopping cart and complete the secure online application.

 Complete payment for membership fee and any applicable down payments or sales tax.


Login to your account  and click on the "E-SIGN DOCUMENT" tab to sign your credit agreement.

(Q) Do you report my account to the credit bureaus?
(A) Yes, we report your available line of credit and balance to the credit bureaus monthly.

 IMPORTANT In order for your account to be complete and reporting, the annual membership fee and any applicable down payments must be paid and your contract must be signed. Your order must be received by the last business day of the month for your account to be completed.


Get Self



Here's How SELF Works

You apply for and open a credit builder loan at a bank, credit union

or through 

Self. A credit union may also call this type of loan a share secured

loan (being

secured by your savings account).

When your application is granted, the financial institution moves

the loan

proceeds you were approved for into a separate account, usually

a savings

account or certificate of deposit (CD). The loan amount tends to be between

$300 and $1,000, though some banks offer credit builder loans as high as $2,500.

You then begin making your monthly payments for the predetermined amount

of time (the loan term). The loan term can be as short as six months or as long

as six years.

The bank, credit union or service provider reports your monthly payment activity

to one or more of the three major credit bureaus (Experian, Equifax, Transunion).

A credit bureau generates a credit rating (also known as a credit score, based on

your history of using credit).

Once the loan balance reaches zero, the service provider unlocks the CD or

savings account and returns the total money the borrower paid,

minus any interest and administrative fees.

Who should get a credit builder loan

The people most likely to benefit from a credit builder loan are those with a low credit 


apply for a $10,000 Line of credit

Credit Application

The contact information that you enter in this form has to be accurate for you to pass the identity verification process.

Step 1 please complete only the fields that are applicable to you and click Submit.

Step 2 of the credit application will require for you to answer several questions which will help us verify your identity.

Step 3 will require you to submit your one time membership payment of $149.99.

Step 4 after you submit the payment, you can log in to your account and begin the E-Signature process to complete your credit application.

Secured Loan ( Credit-Builder Loan)


Banks and credit unions understand it's not always easy to build credit when you're starting out with little credit history or negative marks on your credit report. Some offer credit-builder loans, or passbook/CD loans — low-risk loans designed specifically to help you build credit. They work much the same way a secured credit card works; for a credit-builder loan, you deposit a certain amount into an interest-bearing bank account and then borrow against that amount. The deposit is your collateral, and you'll pay interest at a higher rate than your deposit earns it. For passbook or CD loans, some banks allow you to use an existing bank account or certificate of deposit as collateral for the loan. Before you take the loan, confirm with the lender that your on-time payments will appear on your credit report.



The EXTRA Debit Card, reports to the credit bureaus monthly!



At the end of every month, purchases made with Extra are tallied up and reported to credit bureaus to help build your credit history - all with the money that you actually have.


We get it, credit is confusing. That's why we've built an intuitive experience to help you understand your credit score, what contributes to it, and how you can improve it.

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MBM Has Partnered with the Top Rent Reporting Company.

This company has helped thousands of consumers rebuild there credit by just simply reporting there rental payments!

Simply provide some basic information about your lease and landlord and you are on your way to a better credit score!!

Believe Credit Card (coming soon)

^no upfront fee

A new kind of credit card, linked to your Varo Bank Account.

The credit card for building credit that has no upfront deposit. No monthly fees. No APR.

Use the credit card for all your purchases.**

Varo Believe sets aside money from your Varo Bank Account into a secure Vault Account, to be used to pay on-time, and in full every month. No runaway debt.

Varo will report your payment history to the 3 major credit bureaus.

Monitor your score directly on your Varo Bank app for free.

A new approach
to credit.

When you apply for Petal, we use your banking history to instantly create a Cash Score — a measure of your creditworthiness based on income, spending, and savings history. It could help you qualify for a Petal credit card, even if you've never had credit before.



•Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400without making another deposit.
•Double your $200 credit line by making at least your minimum payment on time each month for thefirst 7 months your account is open.
•Secured Credit Cards are great for people looking to build or rebuild credit and are available to peoplewith all kinds of credit backgrounds.
•Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment historyto all three major credit-reporting agencies.
•Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
•Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Gethelp staying on track with available Auto Pay and account alerts.
•Card issued by Merrick Bank, Member FDIC.

tomo credit card

How much does it cost and are there any fees?

Nothing now, nothing ever.

Will applying affect my credit score?

No. Whether your Tomo application was approved or rejected, it will never affect your credit score.

What type of card is Tomo?

Your Tomo card is a credit card with a 7-day automatic payment schedule. We do this so you can build your credit score more quickly!

Does Tomo report to all 3 major credit bureaus?




0% introductory APR on all purchases for the first three months
No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
Build credit quickly. OpenSky reports to all 3 major credit bureaus.
99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
*View our Cardholder Agreement located at the bottom of the application page for details of the card.
Other details not for bullet points or marketing:
No credit inquiries
We accept applicants who are at least 18 years old.
If they are between 18 and 21 and cannot meet the debt to income ration requirements we give them an option to add a guarantor to their accounts to qualify.