Applied Bank® Secured Visa® Gold Preferred® Credit Card
We're sorry, but the Applied Bank® Secured Visa® Gold Preferred® Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 561-982-9111.
Below you can review the Applied Bank® Secured Visa® Gold Preferred® Credit Card and find the card's rates and fees according to our latest records, which may be outdated.
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- ONE-TIME FEES None
- ANNUAL FEE $50
- MONTHLY FEE None
- REGULAR RATE 9.99% Fixed
- GRACE PERIOD 0 days
Applied Bank® Secured Visa® Gold Preferred® Credit Card’s Highlights
- This card does not have a grace period, which means that interest will begin getting assessed as soon as you make a purchase.
- Guaranteed Approval Regardless of Your Past Credit History. No Credit Checks.
- Monthly Credit Bureau Reporting to Two Credit Bureaus.
- 9.99% Low Fixed APR - Your Rate Won't Change Even if You Are Late.
- Choose Your Credit Limit - From $200 to $5,000.
Applied Bank® Secured Visa® Gold Preferred® Credit Card’s Additional Info
- MAX LATE FEE Up to $35
- MAX OVERLIMIT FEE None
- MAX PENALTY APR None
- CASH ADVANCE RATE 9.99% Fixed
- CASH ADVANCE FEE 5% (min $5)
Applied Bank® Secured Visa® Gold Preferred® Credit Card Reviews
After reading some of the reviews, I must say that I wasn’t shocked to see credit card’s being offered through banks that I’ve never even heard of. I decided to go with the Applied Bank Secured Visa Gold Credit Card. I loathe MasterCard and I refused to get a card with that logo. That was one of the deciding factors for the Applied Bank Card as well as the credit limit(s) offered. I felt like with the credit limit that I was offered, I was able to enjoy the perks of a credit card without getting in over my head. I’m able to go “splurge” shopping every now and then and still able to make my payment. Paying at check-in at a hotel with a credit card has probably been my favorite feature! You have no idea how much hassle this saves.
Applied Bank Secured Visa Gold Credit Card has excellent service reps, they’re more than willing to help you answer all your questions or any problems that you may have. I never feel like I’m anything but a loyal customer who has been with them for ages despite being with them for less than a year. The rates and interests are competitive but fair. I would suggest anyone with a shaky credit history and looking for a credit card, to check out Applied Bank Secured Visa Gold Credit Card.… more
When I first received it I had no idea how everything works so I called them and a representative walked me through all aspects of the card. He explained to me when and how to pay it off, and even how to contact the 3 credit bureaus to make sure the info they have about me is correct. I pay it now online straight through my bank's checking account.I am pretty satisfied with it, because my main concern right now is raising my credit score as oppose to actually using a lot of credit, so I'm content even with a low limit for now. And I also understand that later I can 'upgrade' this card to a regular one with higher limit so it's perfect for me. If you are debating regarding this card - go for it! can't think of anything negative to say about it, I am satisfied.… more
Customer Service was always excellent as as well.… more
The customer service was alright. Average at best. That's the best way to describe this card. It gets the job done if you need a secured card, but really I would go with another card myself.… more
Another problem I have is the length of time it takes for any transaction that is pending to post. I have had to wait as long as 16 days to have credit returned to my account. That is unacceptable. So ultimately, this card is exactly what it is meant to be...something for people who are desperate and otherwise unable to attain an unsecured line of credit from a more reputable bank/credit company.… more
When I told them that I was at work and would not be able to get there during my break they told me that they would no longer speak to me and disconnected the phone call. Next day I went down to the bank after taking a full extra hour out of my work schedule, and once I got through to the manager on the phone she told us that I was not even in their system. Eventually my bank had to make a police report and fax it to them. This card has inconvenienced my life and cost me over $600. I would not apply for this card if you are able to avoid it and choose a different company.… more
- The Applied Bank Secured Visa Gold Credit Card offers pretty much assured approval, but all secured cards do so.
- It also requires a $200 minimum deposit, the lowest you’ll find, but still not a differentiating factor between this and other cards.
- 9.99% fixed APR: This is pretty low, but you should always pay your secured card bills in full because it’s a good habit to get into for later credit card use.
- $50 annual fee: This is the biggest downside to the Applied Bank Secured Visa, as it’s a rather steep fixed cost for a card that naturally protects the issuer with a refundable security deposit.
Ultimately, the one con outweighs the three pros and the Applied Bank Secured Gold Visa Card isn’t the best choice for secured card users. The Orchard Bank Secured Card does not charge any membership fees in the first year ($35 after that), and one year of proper secured card use is enough to build the credit standing necessary to qualify for an unsecured card. So to return to your original question, no you should not apply for the Applied Bank Secured Card.
What does everyone else think?… more
Ok, so the Applied Bank Secured Visa Gold Credit Card obviously isn’t up to snuff and you clearly need alternatives. Without a doubt, the best card to go for is the Orchard Bank Secured MasterCard, since it has no fixed costs in the first year ($35 annual fee beginning in the second year). It’s the most cost-effective credit building tool, which is what you’re looking for from a secured credit card.… more
How insane is this?
They might have asked that you deposit an additional $100 dollars to increase your credit limit by the same amount, but that will just be added to your security deposit, and is fully refundable
If you are interested in the Applied Bank® Secured Visa® Gold Preferred® Credit Card, check out the following credit cards as well:
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Last updated on: Jun 12th, 2013 at 1:04 EDT