- 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
4.4 / 5.0 (26 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
0.00%*
APR Type:
fixed
Annual Fee:
See Terms*
Issuer:
Card Network:
Card Category:
Consumer (Secured)
Card Type:
Card for Bad Credit
Low Interest Credit Card
Credit Needed:
Bad Credit OK*
Grace Period:
None*
Min Finance Charge:
$0.50
Min Credit Line:
$500
Max Credit Line:
$5,000
Late Payment Fee:
Up to $35*

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
9.99%
Cash Advance Fee (%):
5.00%
Minimum Fee:
$5.00

Other Fees

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)

Review by

Here is a secured credit card from Applied Bank with a maximum $5,000 credit limit. Consumers with below average credit now have the perfect opportunity to improve their credit histories and enjoy the powers of credit card spending.

Cardholders are required to deposit a fixed amount into an FDIC insured account provided by the card issuers. This deposit amount equals your credit limit. Cardholders have several features to look up to most especially with zero APR on purchases.

The card is simple to obtain with no income or credit requirements. This makes it highly suitable for individuals who have recently claimed bankruptcy or those new to credit. The credit bureau reporting feature will ensure those cardholders who pay on time can solidify their credit history over time.

There is no application fee on this card.

Features

Most attractive:
- No interest
- No annual fee
- Timely credit bureau reporting
- No application fees
Least attractive:
- Monthly maintenance fee

Rewards & Benefits

Other Benefits:
See Terms and Conditions of the card.
Online Access:
Yes!
Credit Reporting:
Yes

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 posted prior to applying for the product.