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If your credit has seen better days, a secured credit card could be the financial tool you’ve been looking for. It’s exactly the same as a traditional credit card, with one main difference: you’re required to make a cash deposit in order to receive an approval. This deposit also acts as your collateral and credit limit, which gives both you and the issuer peace of mind. With so many secured credit card offers to choose from, you won’t run into trouble finding one that suits your needs in regards to eligibility requirements, interest rate, and other key details.
Credit Brand Visa
No Credit
Annual Fee$35.00
17.39% (variable)
Rewardsn/a
Mon 08 Mar 2021
Credit Brand Mastercard
Limited
Annual Fee$49.00
9.99% (V)
Rewardsn/a
Mon 08 Mar 2021
Applying for a credit card is generally a decision based on your personal finances. For instance, a credit card is one of the best tools for building your credit history after graduating from college. That’s a good reason to apply. Conversely, if you’re searching for a credit card to make a purchase, you'll need to consider other factors like if you intend to carry a balance.
Credit Brand Visa
Limited
Annual Fee$48.00
9.99%
RewardsN/A
Mon 08 Mar 2021
The Applied Bank® Secured Visa® Gold Preferred® Credit Card is a solid secured credit card if you’re looking to build or rebuild your credit. With 9.99% Fixed APR.
Credit Brand Mastercard
No Credit
Annual Fee$49.00
9.99%
Rewardsn/a
Mon 08 Mar 2021
When was the last time you checked your credit score? Can you remember, or was it so long ago that it has slipped your mind? While there’s no good reason to check your credit score every day of the week, you should get into the habit of doing so regularly. Check out is this great article on the topic.
Credit Brand Visa
Good/Limited
Annual Fee$39*
18.90% (fixed)*
Rewardsn/a
Mon 08 Mar 2021
*See Rates, Fees, Costs and Limitations for additional details
Credit Brand Mastercard
Limited
Annual Fee$49.00
12.99% (Variable)
Rewardsn/a
Mon 08 Mar 2021
With a secured credit card, you’re required to make a cash deposit in order to use the card. This deposit acts as your collateral and credit limit. A secured credit card is typically for consumers with no credit or bad credit. An unsecured credit card is the more traditional of the two, as it doesn’t require a deposit to get started. Instead, your credit limit is based on your credit score, credit history, and income.
Credit Brand Mastercard
Limited
Annual Fee$39.00
13.99% (V)
Rewardsn/a
Mon 08 Mar 2021
Credit Brand Visa
See website for Details*
Annual Fee$36 for first year. Billed $3 per month thereafter
17.45% Variable
Rewardsn/a
Mon 08 Mar 2021
In a perfect world, you would never be charged interest for using a credit card. Unfortunately, most credit cards – outside of balance transfer offers with an introductory zero percent rate – have an interest rate attached to it. The key thing to remember is that you only pay interest if you carry a balance from month to month. Get into the habit of paying your bill in full as a way to avoiding finance charges.
Credit Brand Mastercard
No Credit
Annual Fee$39.00
13.99%
Rewardsn/a
Mon 08 Mar 2021
Credit Brand Mastercard
Limited
Annual Fee29.00
19.99% (V)
Rewardsn/a
Mon 08 Mar 2021
Applying for a secured credit card is similar to any other credit card application. You can complete the application online by providing personal and financial information, such as your social security number and annual income.
Once you receive an approval, you will then put down your deposit and wait for your card to arrive in the mail. It’s really that simple.
From there, you will receive a statement every month that shows your purchases, balance, and amount of credit remaining.
When possible, pay your balance in full every month, as this allows you to avoid interest charges.
Tip: make sure the issuer of your credit card reports all activity to the three major credit bureaus. By doing so, you get “credit” for responsibly managing your account, which will work in your favor in the future.
Even though you may not be excited about using a secured credit card to build your credit, you should look at it as an opportunity.
When you do so responsibly, your credit score will rise and your credit history will improve. Soon enough, you can apply for an unsecured credit card. If you receive an approval, you can then request your refundable security deposit.
As you compare secured credit cards, you’ll find that some have more to offer than others. And for that reason, you need to carefully consider all your options before making a final decision.
By answering these questions, you’ll inch closer toward finding the perfect offer:
What are you looking for in a secured credit card, in regards to features?
Do you have a preferred issuer?
How much money are you willing to put down as a refundable security deposit?
These are basic questions, but the answers will help you formulate your search strategy.
Now that you understand the basics of secured credit cards, you can decide what to do next.
Your goal is simple: to obtain a credit card that provides convenience, all while boosting your credit score and improving your credit history.
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