Public Savings Bank Secured Black Card
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Overall Rating 3.0
Benefit Rating3.0
About Ratings
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Apply Now | BALANCE TRANSFERS | INTRO RATE | APR (PURCH) |
APR (CASH) |
ANNUAL FEE | ||
|---|---|---|---|---|---|---|---|---|---|
| Rate | Duration | Rate | Duration | ||||||
| N/A | N/A | 0% | 6 mths | 11.24 | 23.99% | $0 | |||
Key Features:
- 0% APR for 6 Months on Purchases
- No Annual Fee
- We Report to All 3 Credit Bureaus
- No Minimum Credit Score, No Income/Employment Verifications
- 25 Day Grace Period
- Use this Card Everywhere You See the Visa® Logo
- Lifetime Credit Limits up to $10,000
Rates and Fees
| Card Type | Visa |
| Introductory Rate Offer | 0% for 6 months |
| Card Status | Standard |
| APR for Purchases | 11.24% |
| APR for Cash Advances | 23.99% |
| Annual Fee | 0% |
| Annual Fee for additional cardholders |
$0 |
| Grace Period | 25 Days |
| Minimum Credit Limit | $300 |
| Maximum Credit Limit | $10,000 |
| Late Payment Fee | $25 |
| Over the Limit Fee | $25 |
| Cash Advance Fee | The greater of $5 or 3.5% of the cash advanced. |
| Balance Transfer Fee | n/app |
Rewards Information
| Points per Dollar Spent | |
| Additional Points | |
| Miles per Dollar Spent | |
| Additional Miles | |
| Additional Perks |
Important Notations:
Public Savings Bank Secured Black Card
Issued by VisaMost Attractive Feature(s): Reports to all 3 major credit bureaus monthly.
Least Attractive Feature(s): Interest not earned on deposit amount.
Description
The Public Savings Bank Secured Black Card, issued by Public Savings Bank, is ideal for those who are trying to improve their credit. This is because Public Savings Bank reports card activity to all three major credit bureaus every month. Because the Public Savings Bank Secured Black Card is a secured credit card, all applications are accepted, regardless of past credit history, or a lack of credit history. A secured credit card is one that is secured with a deposit. The amount of the deposit then becomes the cardholder's credit limit. The minimum deposit for this card is $300, the maximum is $10,000. The interest rate for the Public Savings Bank Secured Black Card is reasonably low, and the Public Savings Bank Secured Black Card has no annual fee. The application fee is $79. Applicants who are interested in improving their credit by using a low interest secured credit card will be best served by what the Public Savings Bank Secured Black Card has to offer.
Updated: Aug 17 2009 5:38PM