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Celtic Bank

Celtic Bank Credit Cards

Celtic Bank is a privately owned industrial bank chartered by the State of Utah. The bank was founded in 2001 and has become a leading small business lender that specializes on business loans. It is an SBA Preferred Lender and one of the largest SBA lenders. Celtic Bank also partners with other companies to offer credit cards to consumers with damaged or poor credit history. Their credit cards are real credit products. All Celtic Bank financial products are FDIC insured.
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Credit Recommended: Fair/Bad
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Improving Credit Is Easier With a Credit Card

Celtic Bank is a nationwide small business lender and a residential construction lender. It is a privately owned industrial bank chartered by the State of Utah. The bank partners with credit card servicing companies to offer consumers credit card products of the best quality.

Celtic Bank credit cards are designed to help consumers with poor or bad credit to establish or rebuild their credit. The cards are unsecured credit cards that report credit activity to the major credit bureaus. That means, if you have this card and manage it well, you may improve your credit.

Celtic Bank credit cards are mainly Mastercard credit cards that are loaded with Mastercard Benefits. The benefits include travel assistance services, extended warranty, MasterRental insurance, and some other services.

If you are looking for an unsecured credit card that will help you build your credit, you are in the right place. Celtic Bank credit cards offer a real line of credit to people with bad credit.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

How do I know if I qualify for an unsecured or secured account?

After you submit your application, the issuer will review all provided information and will decide whether you qualify or not. If you qualify for an unsecured account, the issuer will send you an approval notification online. If you are approved for a secured credit account, the issuer will send you an e-mail where the amount of the security deposit will be provided. You can pay the security deposit over the phone or online using the link provided by the issuer.

Do I qualify if I have bad credit?

You may qualify even if you have bad credit. The card is designed for people whose credit is bad, so your chances are not zero. Note that you still need to answer some minimum requirements to qualify. Notably, you should be a U.S. resident of at least 18 years of age, have a social security number, physical address, and you should have a stable source of income.

Will this card help me to build good credit?

Yes, provided you make all monthly payments with all your creditors on time. Making regular on-time monthly payments, you demonstrate your good financial responsibility that lenders look for when evaluate your creditworthiness. The credit card payment history is reported to the credit bureaus and it makes 35% of your credit score. So you can build good credit using this card.

I can’t activate my card online, what should I do?

The online activation is not always available. However, you should be able to activate your card over the phone. To do that, you should use the phone number provided on your credit card agreement or credit card itself. You may also find a toll-free number printed on the sticker affixed to your new card. As a rule, you should have 30 days to activate your new card.