HOW A SECURED CREDIT CARD WORKS
- You deposit a minimum of $200 into a Public Savings Bank FDIC insured deposit account.
- You can then make purchases with your card up to the amount you have in your security deposit account.
- You must pay at least the minimum payment before the due date each month. Your security deposit does not cover minimum payments.
- Your payments are reported to all major credit bureaus so you can begin to establish your credit immediately.
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VALUE AND PRICING *
- Qualify with a deposit as little as $200!
- No Annual fees! Just a $79 one time application fee.
- 0% APR on all purchases for the first 6 months, then a variable rate at Prime plus 7.99% - currently 11.24% APR.
- 25 day grace period. If you pay your balance in full, there will be no interest charges.
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BENEFITS
- Your employment and credit are not factors!
- 24/7 online customer support
- Travel and emergency assistance
- Automatic auto rental insurance
- Use the card everywhere you see the Visa® logo
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