If you have a limited credit history or poor credit, the Applied Bank® Secured Visa® Credit Card is designed especially for you and your financial situation. First, this card is a genuine Visa credit card, not a prepaid or debit card. That means your spending/payment activity is reported to the major credit bureaus on a monthly basis, which could help to improve your credit history! And you can use this card at millions of locations around the world, where ever Visa is accepted!

You also get to choose your own credit limit, anywhere from $200 up to $5,000! With a minimum deposit of $200 and a maximum deposit of $5,000, you'll have plenty of buying power with this secured Visa card. One of the major advantages of this card is the fixed APR of 12.99% on purchases and cash advances, a great low rate for a secured card! So even if you slip up and pay late, your APR remains at 12.99%.

Another benefit is that this card provides its cardholders with unlimited online access as well as fraud liability protection for any unauthorized charges.

For your first year, you'll pay an annual fee of $50 will conveniently be charged to your card. After the first year, your annual fee goes to $0 and instead, you'll pay a monthly maintenance fee of $9.95.

A few more items to note is that this card provides no grace periods for purchases, which means you'll incur finance charges on the same day you make a purchase using the card. However, this may help you to develop good spending habits, encouraging you to pay off whatever you spend as soon as possible .

To apply for the Applied Bank® Secured Visa® Credit Card or to learn more, click on the apply button.