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New Millenium Bank Secured Black Diamond Visa® or Mastercard®

30 comments

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New Millennium Bank
See all offers from New Millennium Bank

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Details:

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:

Approved regardless of credit history
Credit limits up to $10,000*
Reports to all 3 bureaus
Get cash at over 740,000 ATMs
No credit check

* 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.

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USER COMMENTS(30)

leelou89
Jan 23
9:19 am

It's not that bad. This card is for people who want to REBUILD credit. Not go on a shopping spree and carry a balance for years. It's for people who don't plan on using it all... except to buy say jeans for $60, but then pay it off the same month, just for the sake of showing they're responsible with their cash.

If you're the kind of person who will buy the jeans in January, and only make the minimum payments in Feb, March, April.. then yes, this card sucks.

Paying $59 annually and $100 to apply, is nothing compared to paying thousands of dollars during your life in high interest because your credit score is just 'fair'.

People who are in my situation will take any credit card they can get that will report positive info to Credit Bureau's every month. American's are so lucky. You have *several* companies offering you secure credit cards. I've only found 1 in Canada.

mlevorsen
Jan 20
12:58 pm

HORRIBLE fees! nobody in the right state of mind would pay $59 annual fee and 19.5% interest rate! I would also never go with a cc that charged an "application" fee!! that's ridiculous!

astuartgirl
Dec 22
6:27 am

I have had an Orchard Bank and Platinum (same company - HSBC) for 3 yrs and they are no better. They shorten the pay period and raise rates whenever they want. I pay every month on time and always more than the minimum. I was .03 over the limit for 4 days before I made a payment and they dinged my credit with an over the limit report.

I really sucks that we have to have credit cards to repair or establish credit and they can do anything they want.

By the way, I have a question, I have heard that you should keep these open because closing them dings your credit so how do you get out from under them?

Also, should you run a balance or keep them at $0. I have heard both.

CK Moderator

If you have an long credit history, closing an old accounts is fine. If you have a relatively short credit history (five year or less), it is generally better to keep the old accounts open. As for the balances, we recommend using old cards once per month and paying the balance to show that you know how to use credit responsibly.

calebbly
Nov 16
8:55 pm

I am unclear what happened they collected my bank account info but didnt charge anything so i am wondering if it whent through ok and if it did when do i get my card

moneyman
Nov 11
5:19 am

A typical Credit Card Ripoff-they rip you off for $100 "Processing" Fee then rip you off for another $60 "Annual" fee-this is on top of charging you 20% Interest-run from these

crooks

Amanye
Oct 9
10:56 am

There needs to be a credit card that is a second chance card and will help you take the risk of offering at least a 300.00 dollar credit limit so we can rebuil credit without an annual fee and this fee and that fee. Everyone deserves a second chance to fix what they may have screwed up at young ages

CAJUNMOON
Oct 6
12:23 pm

I saw on the news this morning,Bank of America raised a man's intrest rate (excellent credit)he had an 8% int. rate and overnight it went to over 20% int. No law to stop them charging what they want to!

hrandy
Sep 30
8:34 pm

i dont like fees

Ms3anne
Sep 17
11:12 pm

You want to build your credit, not lower it. You are having a hard time paying your bills now that iswhy the FICO score is so low. What's up with that? Its definitly a RIP OFF!

wquarles
Sep 15
4:29 pm

The up-front fee's are rediculous. The took $149.00 from my account with just an application.

Look for a secured card with no up-front fee's, i.e., Bank of America or Capitol One.

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517

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484

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