| Basic APR | 9.99% |
|---|
| Cash Advance APR | 9.99% |
|---|
| Default APR | Unknown |
|---|
| Annual Fee | $50 |
|---|
| Grace Period | 0 days |
|---|
| Min. Finance Charge | $0.50 |
|---|
| Late Fee | $32 to
$35 |
|---|
| Overlimit Fee | $32 to $35 |
|---|
| Foreign Purchase | 1% |
|---|
| Universal Default | unknown |
|---|
| Sign Up Fee | None |
|---|
| Important:
Always read the terms and fees disclosure provided by the credit card issuer on their site before applying. The issuing bank's terms may include more detailed or updated information than presented here.
Notes:
*Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit. |
Expert Review:
In exchange for a deposit of at least $200, up to a maximum of $5,000, you can get an Applied Bank Secured Visa Gold Credit Card with no credit or income requirements, even if your credit picture is bad or very bad. Your credit limit will be equal to your deposit. The first year's annual fee of $50 is automatically deducted, but there are no other start up fees. While there is no grace period, this credit card (which reports to credit bureaus) has an attractive APR, a 1% fee on foreign purchases, and standard fees on everything else.
Updated:
Oct 2009
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