Offered by: New Millennium Bank
| Purchase Intro Rate | N/A |
| Purchase Intro Period | N/A |
| Balance Transfer Intro Rate | N/A |
| Balance Transfer Intro Period | N/A |
| Regular APR | 19.5% |
| Balance Transfer Rate | N/A |
| Cash Advance Rate | * |
| Annual Fee | $59 |
| Late Fee | See Terms* |
| Cash Advance Fee | See Terms* |
| Balance Transfer Fee | See Terms* |
New Millenium Bank Secured Black Diamond Visa® or Mastercard® features:
* Terms and conditions apply
Additional Details: Click here for Additional Details (Will launch in a new browser window)
See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.
Ideal for those with Very Poor Credit:
AVERAGE Credit Score Approved for this Card
LOWEST Credit Score Approved for this Card
† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.
User Voting
Percentage of users who think this is a good offer. Your vote counts!
Take Rate
Higher take rate values indicate more popular offers.
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google new millennium complaints...I applied for this card, paid the $99 app fee, but after researching it more I think I am going to skip this one, and just be glad I'm only out the $99."
retrolady at 6:15 pm Jan 11
Reply Cancel Replyorchard bank secured credit card is much better. that is what im leaning towards."
DWEC51 at 3:22 pm Jan 29
Reply Cancel ReplyNo grace period means I pay interest on every purchase even if I pay in full each month.
And $59 annual fee. There are much better deals out there."
Wolf3 at 8:58 pm Aug 31
Reply Cancel ReplyAPR IS TO HIGH TO ESTABLISH A NEW ACCOUNT. IT SHOULD BE 15% or less."
azeldorph at 12:22 am Aug 8
Reply Cancel ReplySux. Too many fees."
ldysam at 10:58 am Jul 27
Reply Cancel ReplyThere is NO grace period for this card. It's NOT a good thing if you're new to credit (which is the point of the card - right?)"
txba663 at 2:50 pm May 25
Reply Cancel ReplyThere are lots of credit cards designed to rebuild credit, examples:
First Premier, Orchard, Indigo, HSBC, Imagine all will give $300
starter credit, if you behave, they'll raise it all the way to $3000"
tpwild at 5:38 pm May 16
Reply Cancel Replythere should be some way for people with low or no credit to get a card to build credit"
blackhelper at 8:01 pm Apr 3
Reply Cancel ReplyBe sure to read the terms and conditions. They are not checking credit here but rather using collateral to determine credit approval and amount to be approved. In the terms, it states they are going to put equal the amt u r willing to put into a new savings acct with them. If you put $1000 in the acct as collateral, they will give you up to $2000. In my opinion, if you had it like that, you wouldnt need a credit card in the first place! Read the FINE print; it makes a difference in your decision to apply."
VirgoStylist at 7:11 am Apr 1
Reply Cancel Replyto me this is a good deal for someone with bad credit or no credit you might have to apy but who doesnt everyone gotta pay something on a card right"
JuggaloJer at 9:43 pm Mar 18
Reply Cancel ReplyWhen you are in a position of bad or no credit these types of offers are great. You do have to realize going in that there are additonal fees but that is part of the reality of a sticky credit situation.
I obtained a secured card with Bank of America -- my bank. But after doing some research I discovered that my score still suffered because I did not have at least four (4) lines of open credit.
So its not that just my credit is "bad"; I pretty much have none. I am well aware that it has horrible fees -- at the same time anybody who has great fees won't give me a card.
I got one just so I can establish the credit; after a year I'll roll over the balance/credit to a more sensible creditor."
kelliannmace at 9:44 pm Mar 2
Reply Cancel Reply