Perpay Credit

Perpay Store Credit is a great way to establish credit. By using it, you can build a credit history and improve your credit score.

How Does Perpay Credit Work?

Find and shop items

The first step to using your Perpay store credit is finding the items you want to purchase on the Perpay online store. You can shop by category or use the search function to find specific items. Once you’ve found the items you want to buy, add them to your cart and proceed to checkout.

Make payments

The Second Step to setting up your Perpay Store Credit is to Make payments from your paycheck monthly. This will help you stay on top of your credit and keep your balance low. You can also set up automatic payments so you don’t have to worry about missing a payment.

Build credit history

Perpay reports your credit history to the major credit bureaus, so you can improve your credit score by using it. To get started, simply sign up for an account with Perpay and start using their store credit. Make sure to make your payments on time and in full to build good credit history.

Improve and grow your credit score

Now that you’ve completed the first three steps to establish and grow your credit score, it’s time to move on to the fourth and final step: improving your credit score. There are a few simple things you can do to improve your credit score, including:

• Review your credit report regularly and dispute any errors you find
• Make all of your payments on time, including credit card, mortgage, and utility payments
• Keep your credit card balances low
• Avoid opening new credit cards or taking out loans unless you absolutely need to

By following these simple steps, you can improve your credit score and keep it strong for years to come.

Perpay Requirements

If you’re looking to open a line of credit with Perpay, there’s no need to worry about your credit score. Perpay doesn’t check your credit or run your score when you apply. However, there are a few things that could prevent you from getting approved for an instant credit limit. These include:

• Unemployment (See following offers if you are unemployed – Edge Elite Card)
• Less than $15,000 annual income (see Yotta Debit Mastercard – you can win up to 10,000,000.00USD)
• A history of late or missed payments
• A history of defaulting on loans
• Active bankruptcies or a history of bankruptcy (See – Indigo Card with Prior Bankruptcy is Okay)
• No activated cell phone

If you have any of these things in your credit history, you may still be able to get approved for a Perpay account, but you may need to go through a manual underwriting process. So, if you’re looking to get an instant credit limit with Perpay, make sure you don’t have any of these things in your credit history.

Perpay Competition and Alternatives

• Stoneberry Credit
• Electro Finance
• Group One Platinum
• No Fee Credit Catalogue Card
• Buy On Trust Lending

Frequently Asked Questions