Visa Credit Cards > Applied Bank® Secured Visa® Credit Card

Applied Bank® Secured Visa® Credit Card

With the Applied Bank® Secured Visa® Credit Card you'll get a Low Fixed APR of 9.99% and your rate won't change even if you're late! There are no credit or income requirements.

60 Second Online Processing
Acceptance at over 27 million locations worldwide
100% Fraud Liability Protection
Free 24 Hour Online Account Access
Credit Bureau Reporting

Other details about this card:

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Available Reviews

I understand that this used to be known as Cross Country. I'd like to apply for this card but I'd like to know if anybody has this card & is it worth having?
I know about all the start-up fees. What else should I be concerned with IF I apply for this card?

I’ve had this card since May of 2007, I haven’t had any problems so far. My initial limit was $500.00 and although the 100.00 cli fee is steep, ive went form 750 to 950 in two months! The monthly fee is annoying but I unlike first premier who I have had for over a year with no cli’s! It seems that applied is working to keep the customer.

This was one of my first cards when building credit. I've had nothing but a positive experience with them. Regular increases of my credit line, accurate and timely posting of my payments and excellent customer service. I only wish they would consider reviewing long-time accounts and offering better rates for good customers. Several calls made to them for a rate decrease proved unsuccessful. Unfortuantely, cannot ever close this account as it would clearly hurt my credit score because of the age of the account.

I applied for an Applied Bank credit card earlier this year, and was declined. Approximately 1 month later, I was sent this offer for a secured Visa, and I accepted. I did not have to send any money in for fees or anything, just the secured deposit of my choice! I sent in the minimum $200, just to make sure I could make the monthly payments, as this is a card to repair serverely damaged credit scores! I received this card in such a timely manner, I believe it only took a week after they received my money order for the deposit! (money orders allow processing to go faster, I think!) I love this credit card! The online system is awesome! It is so easy to register the card, and sign in each day to view balance, credit line, min. due., and transactions! I would highly, highly recommend this card to anyone looking to re-build damaged credit, or those new to credit! Thanks Applied Bank!

P.S.
Experian score currently a 484.
I am not sure what scores they pulled, as I don\'t know my Equifax or TransUnion scores at all.

I have this card. I have the Platinum Visa. CL: $1650. They are generous with credit limit increases which can help your fico but beware of many hidden fees with this card. I've been hit with the following..

1) AF: $72 per yr
2) Monthly fee just for having the card: $10
3) If you make a payment online: $6.95 Other than that online management is excellent.
4) Just read on my statement today if you use the automated system for any inquiry: .50 cents. Can you believe that shiz!
5) APR: 23.99%. If you make one payment past the due date default is 29.99%. It will be brought back down to 23.99% after several months of being on time.
6) Credit Limit increases: $100 per acceptance!!

Good card to start but waiting one day for a card with about $2000 limit to balance transfer this card and cut it up!!!

The up front fees are ridiculous (about $175 for a $500 line of credit).

They charge $11 per month for "account maintenance."

If you are late on one payment, the interest rate goes up from 9.9% to the maximum allowed by law.

All changes and any disputes as to fees have to be made in writing via postal mail.

A credit increase costs $100 per $250 of credit.

Don't get this card unless you are certain that you can make every payment well in advance. Doing so online costs $6.95, so you will want to use your bank's Bill Pay feature. In any case, be sure payment arrives at least three busiiness days in advance of due date. This company is fast to add late/over-limit fees.