Applied Bank® Unsecured Classic Visa® Card
Get Pre-Qualified in Less Than a Minute
Poor/Limited
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CARD TYPE: UnsecuredUnsecured credit cards offer a revolving credit line and not requiring an initial deposit.
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WHO CAN GET IT: ConsumerThese credit cards are for the average consumer who needs a credit card for personal use.
- Get Pre-Qualified in Less Than a Minute
- A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM´s and Online!
- A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
- No Penalty Rate. Your Rate Won´t Go Up Even If You are Late
- Access Additional Credit With On-Time Payments and Responsible Usage
- A True Unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and Manageable Monthly Payments
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PURCHASES
- Intro APR on Purchases:
- N/A
- Regular APR:
- 29.99%
- Minimum Grace Period:
- See website for Details*
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BALANCE TRANSFERS
- Intro APR on Balance Transfers:
- N/A
- Regular APR:
- N/A
- Balance Transfer Fee:
- N/A
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CASH ADVANCE
- Intro APR on Cash Advances:
- N/A
- Regular APR:
- 29.99%
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FEES
- Annual Fee:
- See website for Details*
- Application Processing Fee:
- See website for Details*
Questions & Answers about the card:
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.
To build a credit history using a secured credit card, you first of all should make sure the card will be reported to at least one credit bureau. If the card is not reported to any of the credit bureaus, then it will be useless. Most secured credit cards are reported to all three major credit bureaus monthly. So you will only need to manage your secured credit card responsibly to build good credit. For that you will need to make all due payments with all your creditors on time and keep your card balances low.
First of all, you should know your most current credit score. It is easier to find a credit card you will qualify for when you know your credit score. However, your credit score is not the only thing considered when you apply for a credit card. The way you manage other credit accounts, if you have any, defaults, bankruptcies, credit inquiries, and of course your income are also taken into account. So it is recommended to check credit reports before you apply for a credit card to make sure they are accurate and contain most current information.