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Public Savings Bank Secured Visa

Offered by: Public Savings Bank

778 comments | Comment on this offer

Details

Purchase Intro Rate	0%
Purchase Intro Period	6 Months
Balance Transfer Intro Rate	N/A
Balance Transfer Intro Period	N/A
Regular APR	11.24%
Balance Transfer Rate	N/A
Cash Advance Rate	18%
Annual Fee	None
Late Fee	$20.00
Cash Advance Fee	See Terms
Balance Transfer Fee	None

Public Savings Bank Secured Visa features:

Build credit history – we report to all 3 major credit bureaus
0% APR on all purchases for the first 6 months
No annual fees or monthly maintenance fees
No credit check
No checking account required
Your credit is not a factor!
Choose your initial credit limit from $300-$2000
Four ways to fund your security deposit
Lifetime credit lines up to $5,000
25 day grace period
Free fraud protection against unauthorized use
No penalty APR
Use the card everywhere you see the Visa logo

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.

Comments

778 Total Comments

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I read in the FAQ section on their webpage that they do not report as a Secured Credit Card.

msloryn 1 year ago

haven't applied for card as yet but a one time 79. fee is quite good. most companies will charge 2 or 3 fees going in as well as an annual fee.

rrose3 1 year ago

i think this is the best secured card .like the said only $79 activition fee.take for instance other banks that issue credit card for bad credit.they have like a dozen fees and by the time all is deducted there is on like $50 on your credit line lol

juniorzz78 1 year ago

What if I decide to cancel card at anytime?And what happens to the money if cancelled?

sandshark 1 year ago

On a secured card, your deposit will be refunded assuming you are current on the account.

CK Moderator

I have a 634 score what's the average time to boost that score to a 700 with this card if paid on time and card used monthly never late?

sandshark 1 year ago

Results vary for each consumer based on their credit report. Try our credit score simulator to learn about your specific case.

CK Moderator

This seems like a great offer, especially for someone like me with a credit score of 513, but I fill out the application, 60% done, and then they want my bank account number so they can deduct $300 (minimum) out of my bank. If this is a CREDIT card, then why do you have to put money on the card before you even get it to use???????

mufasa1978 1 year ago

It is a secured credit card meaning you have to put down a security deposit.

CK Moderator

$10 minimum finance charge for any balance carried forward!!! Are you kidding me?

sincitylife 1 year ago

So is the total to start the card $379? I just want to know up front what I will be paying...

sdgirley 1 year ago

Message could not be sent.

Mailer Error: SMTP Error: Data not accepted.

That's what I get once I click the final authorization to pull the money from my checking account. What a failure. I wonder if I'll even get the card.

jackiesingh 1 year ago

Let us know what happens

CK Moderator

you can usually do the same thing with your credit union. I'd look into a secured account with a credit union before doing this.

intrntmn 1 year ago

Comment On This Offer

Credit Score Approval Data

Ideal for those with Very Poor Credit:

551

AVERAGE Credit Score Approved for this Card

453

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.