- Reports to All Three 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
Information - Rates - Fees
Card for Bad Credit
- 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.
Review by CreditCardsLab
Applied Bank's Unsecured Classic Visa card is a great solution for those with poor or no credit. The initial credit starts at $300. All spendings are reported to main credit bureaus, so credit scores are impacted immediately. Since it's a Visa card, cardholders can use it virtually anywhere, regardless of whether it's an actual storefront or at an online store. There's no application fee, but the card has an annual fee which is deducted from the initial credit amount and the processing fee. Rates are fixed and will never go up, even if you're late. It's a card for a beginner or someone who's had financial struggles, though no matter the reason, it's a way to get on the right track financially and build your credit fast.
- Unsecured EMV enabled card
- Designed to Build Credit
- Annual fee
- Maintenance fee
- High APR
Rewards & Benefits
*The information provided for Applied Bank® Unsecured Classic Visa® Card is believed to be accurate at the time of evaluation (Feb 15, 2021). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.
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