Credit Card Review & Application


out of 5

- Quick & Easy Approval in Less Than 60 Seconds!
- Reports to All 3 Major Credit Bureaus
- No Penalty Rate. Your Rate Won't Go Up Even If You are Late
- Access Additional Credit With On-Time Payments and Responsible usage
- A True Unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and Manageable Monthly Payments
- 24/7 Online Account Access and Payment Options
- E-mail Payment reminders help you keep your account in good standing

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 29.99% (fixed)*
Annual Fee: See Terms*
Card Issuer: Applied Bank®
Card Network: VISA®
Card Category: Consumer (Regular)
Card Type: - Card for Bad Credit
- Instant Decision Card
Credit Needed: Bad Credit OK*

The Unsecured Classic Visa credit card is a great way to get started and build your credit. Applicants begin with the fast online application and then Applied Bank sets the initial credit limit which starts from $300.

Because it's Visa, it is accepted virtually everywhere worldwide, so purchases can be made in stores and online. Plus, card reports to all main credit bureaus so the applicants can begin to establish credit fast. There are processing and annual fees which are rather high.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: *See Terms and Conditions of the card
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 29.99% (fixed)*
Annual Fee: See Terms*
Grace Period: None*
Min Finance Charge: $0.50
Min Credit Line: $300
Late Payment Fee: Up to $38*
Balance Transfer: No
APR Cash Advances: 29.99%
Cash Advance Fee: 5.00%
Minimum Fee: $10.00
Additional Fees - Processing Fee: $89 (One-time Fee paid prior to account opening)
- Annual Fee $75 the first year; after that, $45 annually
- Monthly Maintenance Fee None for the first year; after that, $6.25 per month ($75 annually).
- Additional Card Fee: $30
- Replacement Card Fee: $30
- Copying Charges: $10 per copy
- Fees for Optional Payments: $12.95 for each payment
- Stop Payment Fee: $30
- Automated Account Information Fee: $0.50 for each separate Account inquiry made through our automated account information system
- Credit Limit Increase Fee: $100 (unless you and we otherwise agree)
- Reinstatement Fee: $50
- Foreign Currency Transaction Fee: 3% of each transaction in U.S. dollars.
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* The information provided for Applied Bank® Unsecured Classic Visa® Card is believed to be accurate at the time of evaluation (Jul 24, 2020). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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