If you need credit and are tired of searching for credit, getting approved for your new $2500 merchandise credit limit can be just a click away. No employment verifications, No Credit Checks! If you have poor credit or no credit - it's no problem. There is no upfront fee. However, you must be 18 years old, a U.S. citizen or permanent resident, have a monthly household income of $800 or more and no undischarged bankruptcies to qualify for this merchandise card.