Apply for a Public Savings Secured Visa Credit Card online
"It just takes a minute to complete and submit
your Public Savings Bank Credit Card application"
We have credit history repair solution
Your new Public Savings Bank Classic Secured VISA Card can help you establish a credit history that will benefit you now and in the future.
You deposit a minimum of $200 into a Public Savings Bank FDIC insured deposit account. No account maximum!
You can then make purchases with your card up to the amount you have in your security deposit account.
You must pay at least the minimum payment before the due date each month. Your security deposit does not cover minimum payments.
Your payments are reported to all major credit bureaus so you can begin to establish your credit immediately.
Free Visa Rewards including auto collision damage and emergency card replacement.
Safe and secure online application with SSL encryption technology.
Get your Public Savings visa black secured card and enjoy the benefits today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
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The Public Savings Bank Classic Secured VISA Card, issued by Public Savings Bank, is designed for those with limited or poor credit history who would like to get a secured credit card. The major advantage of this card is the introductory 0% interest rate on purchases for six months, which is rare for a secured credit card. There is a $300 minimum deposit required, the maximum is $2,000. You can request a credit line increase, but the maximum credit line will not exceed $5,000 over the lifetime of the card. This card has no annual fee but charge a $75 one time application fee. This one time charge is a reasonable and cheaper option if compares to other issuers with annual recurring fees. However, this card does not pay interest to the deposit amount, which sets it apart from other secured cards that do. Another great benefit is the card has a 25 day grace period, which means there will be no interest charges if you pay your balance in full every month. Normally, a secured card has no grace period for purchases, which means interest will be applied immediately to any charges made with the card. Your account will be reported to all 3 major credit bureaus as well. Overall, Public Savings Bank Classic Secured VISA Card is a good choice if you have a poor credit, unable to obtain an unsecured credit card or want a secured credit card as an alternative. Although there is no interest paid on your deposit, you can make some savings with no annual fee and the grace period provided on the card. 
Safe and secure online application with SSL encryption technology. |
Benefits:-
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What is a Secured Credit Card? Secured Cards are an excellent way to establish a positive credit history and are designed especially for people with no credit history, or who have current and past credit problems. Public Savings Bank secured credit cards look and work like any other credit card. The only difference is that you open an FDIC insured collateral account for the credit card. Your payment history is reported to the three major credit bureaus so you can begin to establish your credit. How do I get a secured card? The process is quick and simple! Just complete the secure online application and choose your method of payment. Once the funds are received and your information verified, we'll send you your new card along with a welcome kit. How can I qualify? Regardless of your credit or income, you can be approved for a Public Savings Bank secured credit card when you meet these general guidelines: a) you must be of legal age in the state of your residence, and b) you must reside in the United States and have a valid social security number. What will my credit limit be? You determine your own credit limit! You are guaranteed a credit limit equal to 100% of your deposit. The minimum deposit required is $300. In the event of non-payment, your Visa 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. How can I increase my credit limit? At any time after your account is opened, you may send in deposits to add to your collateral account. When your credit card account is current and not over-limit, each addition to your account will increase your credit limit dollar for dollar. Will my collateral account earn interest? At this time, the collateral accounts do not earn interest. However, the low cost of a Public Savings Bank secured credit card outweighs the little interest earned on the deposit. Can I withdrawal money from my collateral account without lowering my credit limit? Since this account acts as a collateral account for your secured credit card, you may not withdraw funds from it. However, you can take a cash advance according to the terms of the Cardholder Agreement. How do I close my Secured Credit Card Account? Your Credit Card balance must be paid in full before the account can be closed. It may take up to 10 weeks to process your request, so we may ensure that all items have cleared your account. Once all items are cleared we will promptly return your security deposit. |
Secured Cards. You will be required to open a Secured Credit Card Account (“collateral account”) at Public Savings Bank. When you apply and are approved for a Secured Card, you grant us a security interest in the funds, including any funds deposited following the effective date of this Agreement, in the Secured Credit Card Account you maintain with us and designate to secure repayment of your Card. You acknowledge that you specifically intend to grant us the security interest in all funds in the Secured Bank Account, that this security interest is an express condition for your Card and that all funds in your Secured Bank Account must remain on deposit during the term of this Agreement. This is your money, but you pledge it to secure repayment of all credit extended through this program. All funds in your Secured Credit Card Bank Account must remain on deposit during the term of this Agreement. These funds can not be used for any other purposes such as liens, collateral (for other accounts), etc. You agree to sign all applications and documents that we may request from time to time which evidence your grant and assignment to us of the security interest in the Secured Bank Account. If you do not pay your Card balance, or you or we decide to close your Card for any reason, you authorize us to, and you agree that we may, apply all of the funds in the Secured Bank Account to your outstanding Card balance. You acknowledge that we will not, and you authorize us not to, discharge or release our security interest in the Secured Bank Account until all Transactions, Finance Charges and fees and other charges contemplated by this Agreement have been processed and paid and you have otherwise performed all of your obligations under this Agreement. We will then discharge or release our security interest in the Secured Bank Account, and when your Secured Bank Account is closed, make available to you any funds remaining in the Secured Bank Account. If the outstanding Card balance exceeds the amount of funds in your Secured Bank Account, you will remain liable for any outstanding Card balances, including all fees or charges that may subsequently accrue, until the Card balance is paid in full. |
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