Credit Card Review & Application

Platinum Zero Secured Visa Credit Card from Applied Bank


out of 5

- ZERO - 0% FIXED APR on Purchases - No Intro Rates!
- ZERO - 0% Rate Won't Change - Even If You're Late!
- ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000
- ZERO Application Fees
- ZERO Worries - FREE Personal ID Theft Protection
- ZERO Delays - Timely CREDIT Bureau Reporting

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 0.00% (fixed)*
Annual Fee: See Terms*
Card Issuer: Applied Bank®
Card Network: VISA®
Card Category: Consumer (Secured)
Card Type: - Card for Bad Credit
- Low Interest Credit Card
Credit Needed: Bad Credit OK*

The Platinum Zero Secured Visa Credit Card provides an individual with several opportunities. Over a long list of features cardholder have unrestricted access to Visa powered spending with worldwide access. This is a secured credit card accepted anywhere credit cards are.

Cardholders enjoy the basic features one expects to see on this type of card. With credit bureau reporting, you improve your credit worthiness and solidify your credit history by paying on time. It features Free Personal Identity Theft protection with zero fraud liability provided by Visa for cardholders who fall victim to unauthorized transactions. The card features zero APR on purchases, no credit checks, and no income requirements. Applicants can also expect not to pay any application fees. Cardholders who conduct cash advances are dedicated locations will incur a 9.99% APR until the balance is paid off.

A secured credit card requires you deposit a certain sum into an account provided by the bank or card issuer. This sum is held as collateral against credit issued on the card. Cardholders who choose to close their accounts will receive their deposited amount in full or part after any outstanding charges are deducted. In the case of this card, cardholders are required to deposit a minimum $500 and maximum $5,000. Your deposit amount will equal your credit limit. You may increase the deposit at any time to increase your available credit limit. The deposit account is FDIC insured. A card in this category works similar to a non-secure credit card.

The Platinum Zero Secured Visa Card possesses the right features you would want to find in a secured credit card. Individuals who have expressed bankruptcy in the past or are new to credit can start safely using a credit card that allows them build their history over time. With an amount deposited in an FDIC insured account you are rest assured that you are spending your money and will feel obliged to pay on time. The card is available over the internet through a simple application process. Identity and residence verification checks form the basis of application approvals.

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: 0.00% (fixed)*
Annual Fee: See Terms*
Grace Period: None*
Min Finance Charge: $0.50
Min Credit Line: $500
Max Credit Line: $5,000
Late Payment Fee: Up to $35*
Balance Transfer: No
APR Cash Advances: 9.99%
Cash Advance Fee: 5.00%
Minimum Fee: $5.00
Additional Fees - Late Fee: up to $35
- Overlimit: up to $35
- Returned Payment: up to $35
- Dishonored Check: up to $35
- Foreign Currency Transaction Fee: 1% of any transaction made in a foreign currency
- Monthly Maintenance Fee: $9.95 ($119.40 Annually)

We do not offer online application for this card at the moment.

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* The information provided for Platinum Zero® Secured Visa® Credit Card from Applied Bank is believed to be accurate at the time of evaluation (Feb 28, 2014). 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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