The Applied Bank Unsecured Visa has a credit limit of $300 to start. That does not mean you have the full $300 available to spend immediately, however, as the card’s first annual fee is charged when you open the account. Interest Rate: 29.99% The average APR among new credit card offers is currently 17.87%. Get Approved Today! For a $48 annual fee, the bank’s Secured Visa® Gold Preferred® Card comes with a very low 9.99% APR on purchases and cash advances. Applied Bank offers secured and unsecured Visa & MasterCard credit cards to individuals with poor or no credit history. Applied Bank reviews first appeared on Complaints Board on Jun 18, 2007. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime. You can increase your credit limit up to $5,000 after your application has been approved. As a Secured Visa® Gold Preferred® cardholder, you can start with a credit limit between $200 and $1,000, depending on the security deposit you put down. Higher than average purchase APRs. User Category: Consumer. Apply for your perfect card today. Use your card at locations everywhere Mastercard® is accepted. Applied Bank Secured Visa … With this card, the minimum you can deposit is $200 and the maximum $1,000. Unlike debit cards which are linked to your bank accounts and debit the corresponding amount for every transaction, credit cards offer you the flexibility to make transactions on credit independent of your account balance. Applied Bank Credit Cards. Choose from 3 variants of Credit Cards basis your life stage requirement. Debit cards are issued with a bank account so the money spent or withdrawn, is automatically deducted from the account. You must deposit $200 to $1,000 to activate the card. Applied Bank knows how important it is to have good credit in this day and age. The Good. I was approved for 2000. Credit Score: 685 Credit Limit… Charges an … ³You, ³your´ and ³yours´ refer to the person or persons who are liable for the Visa ® or MasterCard credit card … Considers applicants with fair or poor credit. So for example if you had two credit cards with Bank of America and both of them had a $5,000 credit limit you could transfer something like $3,000 of one credit line to the other card. As you make payments on time , maintain a healthy credit utilization debt-to-limit ratio, and perhaps, increase your income level , you may become eligible for a credit limit increase. Your Applied Bank Visa credit limit will be equal to your security deposit. There could be a few reasons that your credit card was approved for such a low credit limit. 9.99% APR Secured Visa® Gold Preferred® Card. The minimum initial deposit is $200 and the maximum is $1,000. * Required Fields. You’ll probably incur a lot of fees using this card; they aren’t small, and they may include: a processing fee to open your account. Applied Bank® Unsecured Classic Visa® CardDesigned for You to Build CreditSince 1996. You can increase your credit limit up to $5,000 by adding additional deposits after 6 months of using the card. It's easy to manage your Applied Bank Account 24/7 with our convenient Online Account Services. 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late. Pre-Selected are periodically offered, based on payment history and account age, while Secured are always available to cardholders who make a deposit into an AB Savings Account. The Applied Bank Unsecured Classic Visa card is designed for consumers with bad credit, offering an unsecured way to build a better credit history. Login Below: Select Your Account Type Select Your Account Credit Card Personal Banking Commercial Banking. The latest review Credit card application was posted on Dec 17, 2020. Pros & Cons of Applied Bank® Unsecured Classic Visa® Credit Card. Card information is provided by third parties. Automatic Reporting to All Three National Credit Bureaus. Quick & Easy Approval in Less Than 60 Seconds! Please enter the information below in order to check the status of your offer. Activate Today with a refundable Security Deposit, Minimum $200, Maximum $1,000. Whether you’ve got bad credit from a string of bad financial decisions, or you’re young and eager to start your credit record, a secured credit card from Applied Bank harnesses the power of your existing cash reserves to grant you a line of revolving credit. Bank: Applied Bank®. Let's find out more about this card. Applied Bank has an average consumer rating of 3 stars from 53 reviews. Credit Score: 700 Credit Limit: 2000 Age: 35-44. To apply for a credit card, please visit one of our branches. Credit Offer Status. Monthly Reporting to all 3 Major Credit Bureaus. an annual fee. Card Network: Visa®. Keep in … Fast and easy application process; results in seconds. Not Enrolled? However, secured cardsrequire applicants to make a deposit (usually $200, minimum) to open a card. Activate Today with a $200 Minimum Deposit - Maximum $1,000. Identity Theft Protection. Be sure to look at what each card offers and decide which one is perfect for you. Reports to All Three Major Credit Bureaus. Online & Mobile Banking Access your account online and via your mobile device from almost anywhere. Select Your Account Credit Card Personal Banking Commercial Banking. When you apply for a credit card, the issuing bank will take into account the following factors when determining your credit line: In this Credit Card Agreement (Agreement) ³we, ³us, ³our´ and ³Bank refers to Applied Bank of Wilmington, Delaware. The Applied Bank® Secured Visa® Gold Preferred® Credit Card is offered through Applied Bank and was created solely to help people establish or rebuild credit. This is a secured card that does not issue a traditional line of credit. 800-947-1090. Show more Hide. That does not mean you have the full $300 available to spend immediately, however, as the card’s first annual fee is charged when you open the account. Typically, the more you deposit… Bad to Fair Credit Recommended (300-670) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Cross Country Bank works with people to re-establish credit. Getting an increased credit limit on your secured credit card comes down to the card issuer's policy. When you originally applied for your credit card, the bank determined your credit line based on your financial history and creditworthiness at that time. It is a convenient alternate to cash, especially when it is directly used for shopping at merchant locations on their POS (Point of Sale) machines. Shifting credit. Approval is guaranteed as long as the applicant is at least 18 years old and can fund the minimum, $200 security deposit. Better than Prepaid...Go with a Secured Card. Credit Limit: $300; The Applied Bank Unsecured Visa has a credit limit of $300 to start. The amount you deposit minus the $48 annual fee is your initial credit limit for the card. The card’s credit limits range between $200 and $1,000, depending on the amount of the … Select Your Account Type. Optional Applied Advantage ® program gives you exclusive member discounts with … The Applied Bank® Secured Visa® Gold Preferred® Credit card also has one of the lowest interest rates when it comes to secured cards. You can open online FD Card by logging in to ICICI Bank Internet Banking or iMobile app today. This is often true for retail store credit cards and subprime credit cards, but it can happen with other cards, too. - -. Applied Bank, headquartered in Wilmington, Delaware, is a Delaware State Chartered Bank.Since it was founded in 1996, it has been delivering attractive and competitive financial products and services at an exceptional level of … The latest complaint Fees illegal was resolved on Jun 11, 2013. Rates may vary among applicants, however the lowest standard APR is 9.99%* Not Specified. APPLIED BANK ® CREDIT CARD AGREEMENT . Applied Bank Business Visa - Unethical, will cost $125.00 for $500.00 credit line. Platinum Zero Secured Visa Card Review. Online account access provides the quickest and easiest way to: Increase your credit limit up to $5,000 by adding additional deposits any time after your application has been approved. Customers can use our site to access account information, payment information, and offer acceptance 24 hours a day, 7 days a week. Find out about credit card offers and sign up for Cross Country Bank's Online Account Services. Load One Time - Keep On Using. If a borrower has a credit card with a $1,000 credit limit, and the cardholder spends $600, they have an additional $400 to spend. Last Name: *. Applied Bank has resolved 29 complaints. Applied Bank Credit Cards - Designed for You to Build Credit Unsecured Classic Visa ® Card - Regardless of Past Credit History Quick and Easy Application - Approval in Less Than 60 Seconds If approved †, simply pay a $89.00 Processing Fee to open your account and access your available credit. Overall Rating: My wife and I recently opened a new checking account with U.S. Bank and applied for the Visa Platinum to avoid paying bank fees. You can pay your credit card bill, check your balance, monitor your account and more. Comparing interest rates, annual fees, rewards and benefits of Visa cards from Applied Bank is easy. Existing Credit Card Customer? Posted 01/27 2015. The Applied Bank Secured Visa Gold Preferred Credit Card has a 9.99% (Fixed) annual percentage rate. The benefits and features credit cards offer you meet a wide variety of financial needs. With $9.95 in monthly maintenance fees. 2 First, the type of card you applied for may give all cardholders at the same limit. Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements) Initial Credit Limit of $300 – $1,000* (subject to available credit) Monthly reporting to the three major credit bureaus. The latest complaint Fees illegal was resolved on Jun 11, 2013. Issuing Country: United States. Since you’re not applying for more credit, and instead are just asking to move your current credit around, you may have better luck with this route. It will cost you $11.95 to make a debit card … 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late. Access Your Applied Bank Account from Any Device. FD Card offers an instant Credit Card with Fixed Deposit (FD). Better than Prepaid...Go with a Secured Card! The Applied Bank Secured Visa Gold Preferred credit card credit limit increase fee is a hefty $100. You can increase your credit limit up to $5,000 after your application has been approved, but still, that's a huge fee. show more… The card reports transaction history to all three major credit bureaus. Fast approval: Eligible applicants can get approved for the Applied Bank Unsecured Classic Visa Card in less than 60 seconds. Credit requirement: Consumers with poor credit may qualify for the Applied Bank Unsecured Classic Visa Card. Access your account anytime, anywhere with the Applied Bank Mobile App! Mobile banking. Snapshot of Card Features. This Visa offer is issued by Applied Bank. The Bad. Applied Bank reviews first appeared on Complaints Board on Jun 18, 2007. Perhaps the most interesting feature of this card is that the APR is 0%. Applied Bank has an average consumer rating of 3 stars from 53 reviews. Browse and compare Applied Bank Visa credit cards. That deposit is held by the issuer just in case you don’t pay your bill, and usually dictates your credit limit. Initial credit limits from $200 to $1000, low 9.99% fixed APR, and no application or processing fees. Card Type: Secured. Bank of America is another credit card issuer that allows you to transfer credit between different credit cards. Your Applied Bank Visa credit limit will be equal to your security deposit. The minimum initial deposit is $200 and the maximum is $1,000. You can increase your credit limit up to $5,000 by adding additional deposits after 6 months of using the card. show more… How much does it cost to get an Applied Bank Secured Gold Card credit limit increase? In a Nutshell: Applied Bank has a long history of providing secured credit card offerings to consumers seeking to establish or improve their credit profiles. Summary - The Platinum Zero® Secured Visa® Credit Card from Applied Bank® is a secured credit card that is designed for those with a poor history. Our Applied Bank credit card review also shows that you can increase your spending power by adding to your security deposit up to a total of $5,000. Absolutely No Credit Check or Minimum Credit Score Required. With 90% of your FD amount as limit on your Credit Card, enjoy liquidity on the go for your requirements. Interest Rate: 29.99%; The average APR among new credit card offers is currently 18.24%. Applied Bank® Unsecured Classic Visa® Credit Card reports to multiple credit bureaus. Secured credit cards are similar to regular, unsecured credit cards. Applied Bank offers pre-selected and secured Credit Limit Increases to cardholders. The latest review Credit card application was posted on Dec 17, 2020. (As entered on the application) Social Security Number: *. Your credit limit is a reflection of what the credit card issuer thinks you can reasonably repay based upon your income and credit score. Get access to your account online and via your mobile device. Q: What is the credit limit for the Applied Bank Unsecured Classic Visa Card? A credit card is an instrument to help you make instant credit based transactions. See Rates, Fees, Costs, and Limitations for additional details. A: You will receive an account with a credit limit of $300. You could ask to transfer $5,000 of your credit line from the second card to the first card, giving both cards a credit limit of $15,000.
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