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Build Credit With Public Savings Secured Visa
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Offered by: Public Savings 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 | 14.25% |
| Balance Transfer Rate | 14.25% |
| Cash Advance Rate | 18% |
| Annual Fee | $50 |
| Late Fee | $20.00 |
| Cash Advance Fee | See Terms |
| Balance Transfer Fee | None |
Public Savings OPEN SKY Secured Visa Credit Card features:
- APR=14.25% (Prime + 11%) for all transactions
- Minimum Payment= 2% of the New Balance or $25; whichever is greater
- Rush/Expedited Card Fee= $50
- FREE electronic Billing Statements
- Paper Statement Fee= $3 month; this fee will be waived for the first two billing cycles however, it can be avoided by selecting to suppress paper statements.
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" button, you can review the credit card terms and conditions on the provider's website.
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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 Karma 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.
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Looks like this is a secured card with 0% apr. Not a prepaid card. Seems to be a good deal.
hayden987 2 years ago
Just a one time $79 fee. I'm not playing that game.
Shel 2 years ago
Why not? Other similar cards charge yearly fees.
Mike11212 2 years ago
how fast can this approve your credit my credit?
msladyb 2 years ago
IMHO, I think this is a good card if you need to rebuild your credit. It seems to be a better deal than the others because there is a 0% rate for 6 months and no annual fee. The other secured cards all have higher fees and no grace period. That's a big deal to me.
hayden987 2 years ago
whats the average credit score?
pixieduzt07 2 years ago
We don't have any of the data yet as they are a new partner. Given that it is a secured card, it may not matter.
CK Moderator
I have checked more than 50 websites and spent 2 whole days analyzing the different kind of credit cards with my score of 576 and I have come to conclusion that this is the best card you can find with poor credit.
The second best would be Orchard bank card which has really low fees as well. The best thing about Orchard is that if you visit their site, www.orchardbank.com and fill out info they will pre-approve you before you file the actual application. They have many card options and will offer you card which meets your needs best.
CsharpBsharp 2 years ago
@Hayden987, I have applied for it on May 14th and approval was instant since it is a secure card. Secure card means I had to deposit some money into their savings account.
Before I applied for it I used CreditKarma's simulator and it showed me that it doesn't matter if I open this account using $300 or $1000 it will still bring my score up equally. So what I did was I deposited $400 into Public savings bank account when I was filling out application. I had to just give my routing number and account number. I just saw on my bank site that my payment just got clear today and now I am waiting for my card.
For some reason up until yesterday my credit score was 576 on Transunion and 600 on Experian but today when I checked using credit karma soft inquiry it went up to 578 already, I don't know if it was affect of this card or something else but I am delighted I am finally seeing my credit going up.
I hope this Helps.
CsharpBsharp 2 years ago
You must put down a security deposit which will be your credit line. You also pay a 79.00 activation fee. =(
alysonleanne 2 years ago
bank of america is the BEST secured card out there no fees no monthly no start up no crazy stuff just a secured and after a year its a regular card with no crazy name. if theres an annual fee its minimal i didnt even notice it.Thanks last poster i was about to get this until I saw that last$79 fee. seriously bank of america is the best and orchard is the second but most people dont realize they can get orchard without being secured.
rayangel 2 years ago