| BASICS |
| APR (Interest Rate) | 11.24%var* |
| APR Computation Method | Average Daily Balance Including New Purchases |
| Intro APR | 0.00% for 6 months. |
| Annual Fee | $ 0 |
| Grace Period | 25 days |
| FEES |
| Account Setup Fee | $79.00 (one time fee) |
| Other (one-time) Fees | Expedited Card Fee $75 (Optional one-time fee), Credit Limit Increase $25 (One-time fee, per increase) |
| Late Fee | $20 or 10% of a payment, whichever is higher |
| Over-the-limit Fee | $20 |
| Currency Conversion Fee | 2% of each transaction in U.S. dollars. |
| CARD FEATURES |
| Customized Terms | * This credit card offers customized terms. Details:
• You will be required to open a non-interest bearing deposit account at
Public Savings which will act as security for your obligations relating to the Card and the Card Account and your other
obligations under this Agreement (the "Pledged Deposit Account"). By applying for a Secured Card, you are pledging,
assigning and granting a security interest in the Pledged Deposit Account and the funds in it from time to time, including
any funds deposited following the effective date of this Agreement, in the Pledged Deposit Account you maintain with us
and designate to secure repayment of your Card.
• New card customers will be allowed a minimum of $200 and a maximum deposit of up to $1500; for balances up to $4,999 the credit limit will be equal to the amount of your security deposit. A maximum deposit of up to $10,000 will be allowed for the lifetime of the card.
|
| Travel Rewards | N/A |
| Cash Rebate | N/A |
| Gas Rebate | N/A |
| Shopping Rewards | N/A |
| Hotel Rewards | N/A |
| Balance Transfer | N/A |
| Cash Advance | The APR for cash advances is 18.00% - 18.00%.
• 0% APR on purchases for 6 months
• No annual or monthly fees
• We report to all 3 credit bureaus
• No minimum credit score, no income/employment verifications
• Use the card everywhere you see the VisaŽ logo
• Lifetime credit limits up to $10,000
• Free fraud protection against unauthorized use
• No penalty APR for late payments
|
| Default APR | N/A |
| Other Features | N/A |
| Card Description | • 0% APR on purchases for 6 months
• Credit not a factor.
• No income requirements.
• Choose your credit limit up to $1000.
• $0 fraud liability
• Build good credit - we report to all 3 major credit bureaus.
• Fee 24-hour online account access
• All applications accepted!
• Free Visa Rewards including auto collision damage and emergency card replacement. |
