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The New Millennium Bank Secured Gold VisaŽ/MasterCardŽ issued by New Millennium Bank, is ideal for those with limited or poor credit who may be having a difficult time in obtaining a standard unsecured credit card.
A secured credit card works like an unsecured credit card. The only difference is that a savings account is established to open the secured credit card account. The savings account serves as collateral for the credit card.For New Millennium Bank Secured Gold VisaŽ/MasterCardŽ, your credit card will have a credit limit of $300.00 to $5,000.00. You determine your credit limit by the amount you deposit in your collateral savings account with New Millennium Bank. Your credit limit will be equal to the balance in your collateral savings account. Minimum deposit is $300, maximum deposit is $5,000.00 per card. This card does apply interest to the deposit amount required to secure the account, which is a nice benefit. You will be sent your confirmation and savings account materials after the issuer receives your acceptance form and processing fee. You are required to make on-time monthly payments to ensure that your account remains in good standing. In the event of non-payment, your card charges will be deducted from your collateral deposit and any remaining balance will be returned to you as soon as all charges have been cleared. The card has an annual fee of $59 and one-time processing fee of $69.95. If you are taking both cards, Visa and MasterCard, you will need to pay $99.95 for the processing fee. By taking up both cards, you will have total credit limit up to $10,000($5,000 each) and you will need to send in two deposits, one for each card. However, unlike unsecured credit cards, there is no monthly participation or maintenance fee. Unlike most secured credit cards, this card offers benefits such as auto rental insurance, up to $100,000 in travel accident insurance and an extended warranty for purchases. This card also offers a Bonus $5,000 credit line from eClubUSA, which can be used to finance computer systems, personal and home electronics, vacations and other services provided for the members of the club. Another benefit is that the card report to all three major credit bureaus: TransUnion, Equifax, and Experian. The APR that is applied to purchases is above average for a secured card. It is important to note that there is no grace period for purchases, which means that interest will be applied immediately to any charges made with the card. However, if you are having difficulty in obtaining an unsecured card, this card does have a no credit check and a no turn-down policy. 
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Cardholders Comment/Review/Rating "Just Got My Cards with NO Problem! I also read the previous whiners and it's evident that some either don't read the terms/conditions - which aren't in fine print, or they don't understand the concept of getting a secured card while you have bad credit. It's gonna cost ya'! I preferred getting the 2x Gold Cards (Visa & Master Card) instead of the one Platinum. Two is better than one on a credit report and platinum only appeals to the public's emotions of feeling special. There's really no advantage in having the one platinum card. I made the deposit(s) through MonyGram and received my cards in about 10 days. I also made the mistake of applying months ago and not sending any deposit. On this subsequent application, I sent a 2nd application fee, called and told C.S. about my blunder and they said no problem with playing the first extra $69 on one of my deposits. They problem I had with C.S. was the wait time before they pick up. Took about 10-15 minutes. But they were polite and helpful. If you lose your mind with them, I'm sure you'll get the same in kind. My only gripe is that I got my cards in the mail on Saturday and my 1st bill on Monday with the annual fee on each. THAT was a bit too fast! But one must do what one must do! I'm glad that I can now rent a car without calling my wife to come with her card! (How humiliating!) Good luck to all." DetroitRedd, 7/10/2006
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