Secured Credit Cards can Strengthen and Rebuild Your Credit Score

Secured Credit Cards

Secured credit cards are similar to prepaid credit cards in that the funds you are using are actually yours and not the issuer of the credit card. Card holders are required to deposit a sum of money in a bank account to be used as cash collateral to secure the line of credit. Some banks allow customers to charge up to 100% of the amount of cash they deposited into their accounts. Make sure to compare secured credit cards because they all charge an annual fee which varies from bank to bank.

Applied Bank® Secured Visa® Gold Credit Card

Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank

Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $200 up to a maximum of $5,000

Guaranteed Approval Regardless of Your Past Credit History

9.99% Low Fixed APR - Your Rate Won't Change Even if You Are Late

Highest Ratings for Financial Strength and Security in the Country

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Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer
N/A*	N/A*	9.99% (Fixed)*	$50.00*	No

Platinum Zero® Secured Visa® Credit Card from Applied Bank®

Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank

Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $500 up to a maximum of $5,000

Zero - 0% Fixed APR on Purchases - No Intro Rates

Zero - 0% Rate Won't Change - Even If You're Late

Zero Application Fees

Zero Worries - Free Personal ID Theft Protection

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Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer
N/A*	N/A*	0.00% (Fixed)*	$119.40*	No

Secured Credit Cards

Secured Credit Cards are similar to prepaid credit cards because the funds you are using are yours and not that of the banks or card issuers of the secured credit cards. Generally people who apply for secured credit cards or prepaid credit cards are people with poor credit.

Secured credit cards require that the card holder maintains a security deposit or collateral which ensures payment of the outstanding balance if card holders defaults on payments. Secured credit cards are beneficial because it gives you an opportunity to rebuild your credit while making purchases like a standard credit card.

Make sure that the company issuing secured credit cards routinely reports customers payment history to the main credit bureaus namely Experian, Equifax and Trans Union. Reporting to the credit bureaus will rebuild your credit history over time.

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