| Basic APR | 0% on purchases |
|---|
| Cash Advance APR | 9.99% |
|---|
| Default APR | N/A |
|---|
| Annual Fee | $0 |
|---|
| Grace Period | 0 days |
|---|
| Min. Finance Charge | $0.50 |
|---|
| Late Fee | $32 to
$35 |
|---|
| Overlimit Fee | $32 to $35 |
|---|
| Foreign Purchase | 1% |
|---|
| Universal Default | N/A |
|---|
| Sign Up Fee | Zero |
|---|
| Monthly Maintenance Fee | Billed at $9.95 per month ($119.40 annually) |
|---|
| 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:
*Requires identity and residence verification and a minimum deposit amount of $500 up to $5,000 |
Expert Review:
In exchange for a deposit of at least $500, up to a maximum of $5,000, you can get a Platinum Zero Visa 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. While there is no grace period, this credit card (which reports to credit bureaus) has a 0% APR on purchases and standard fees on everything else.
Updated:
Oct 2009
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