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• Secured
card offers online.
• Visa
creditcard application resources and information.
• Apply
for secured credit cards online
and get the right credit card for your needs. Peruse the list
of companies offering 0 apr, unsecured, secured, low interest
rate, student, business, prepaid, rabate and reward cards,
with links to quick approval applications online.
Beware: while secured credit cards can be an effective way
to build or re-establish your credit history, some marketers
of secured cards make deceptive advertising claims to entice
you to respond to their ads.
Secured vs. Unsecured Cards
Secured and unsecured cards can be used to pay for goods and
services. However, a secured card requires you to open and
maintain a savings account as security for your line of credit;
an unsecured card does not.
The required savings deposit for a secured card may range
from a few hundred to several thousand dollars. Your credit
line is a percentage of your deposit, typically 50 to 100
percent. Usually, a bank will pay interest on your deposit.
In addition,you also may have to pay application and processing
fees -- sometimes totaling hundreds of dollars. Before you
apply, be sure to ask what the total fees are and whether
they will be refunded if you're denied a card. Typically,
a secured card requires an annual fee and has a higher interest
rate than an unsecured card.
Deceptive Ads and Scams
The Federal Trade Commission (FTC) has taken action against
companies that deceptively advertise major credit cards through
television, newspapers, and postcards. The ads may offer unsecured
credit cards, secured credit cards, or not specify a card
type. The ads usually lead you to believe you can get a card
simply by calling the number listed. Sometimes the number
is not toll-free. A '900' number service, for which you are
billed just for making the call, may instruct you to give
your name and address to receive a credit application, or
give you a list of banks offering secured cards. It also may
tell you to call another '900' number -- at an additional
charge -- for more information.
www.ftc.gov/bcp/conline/pubs/credit/secured.htm
for Consumers FTC FACTS CREDIT 1-877-FTC-HELP F EDERAL T RADE
C OMMISSION F OR THE CONSUMER www.ftc.gov Secured Credit Card
Marketing Scams
www.ftc.gov/bcp/conline/pubs/credit/secured.pdf
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