450

Applied Bank® Unsecured Classic Visa® Card


August 20, 2020
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The Applied Bank Unsecured Classic Visa credit card is designed for those with poor credit ratings to help build credit fast. The card is reporting to the credit bureaus monthly and offers fixed rates. However, it has rather high annual and processing fees.

ANNUAL FEE:

See Terms*

ONGOING APR:

29.99% (Fixed)*

INTRO APR:

N/A

156 User Ratings Applied Bank® Unsecured Classic Visa® Card

at Applied Bank® Secured website

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Intro APR
N/A
Intro APR Period
N/A
Min. Credit Level
Bad Credit OK*

Card Details


  • Quick & Easy Approval in Less Than 60 Seconds!
  • Reports to All 3 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
$ 1 2020-09-28 InStock

Expert Review


The Unsecured Classic Visa credit card issued by Applied Bank gives buying power to its cardholders. The concept is easy, allowing virtually anyone with poor credit to get approved. This card is designed to build your credit since 1996. Regardless of your financial situation, the card assists with achieving your financial goals. Whether this is your first card or you've had a series of financial downfalls ...

The Unsecured Classic Visa credit card issued by Applied Bank gives buying power to its cardholders. The concept is easy, allowing virtually anyone with poor credit to get approved. This card is designed to build your credit since 1996.

Regardless of your financial situation, the card assists with achieving your financial goals. Whether this is your first card or you've had a series of financial downfalls that have destroyed your credit, the Applied Bank Unsecured Classic Visa card allows you to be approved easy and fast. They report everything to the main 3 Credit Bureaus.

The application process is easy. With filling out some basic information and a few clicks, you're on your way to getting this unsecured Visa card. It's done online, so the application is quick and the results are almost instant. There is a processing fee which is rather high. After submitting your application you will be assigned an initial credit limit which usually starts from $300. However, the first year annual card fee will be deducted from it at once.

It's a Visa card, so it's accepted virtually everywhere worldwide. Whether it's shopping in stores, pulling out cash at an ATM, or shopping online, you've got the flexibility with your card. It's a regular, unsecured credit card, so where you want to spend your credit it is up to you. It's able to be used for any purchase that accepts Visa so your possibilities are endless. Keep in mind that APR is rather high and it has an international transaction fee, too.

The card comes with an annual fee, which is reduced by half from the second year. Many credit cards have set varying APRs. This one doesn't. The purchase APR is rather high but there is no penalty. And the rate won't go up anymore even if you miss a payment!

Plus, the card is protected. It's got zero fraud liability, so there are no worries about identity theft or fraudulent charges. The bank has received an excellent rating for financial strength.


Advantages

  • Credit Reporting
  • Unsecured EMV enabled card
  • Designed to Build Credit

Disadvantages

  • Processing fee
  • Annual fee
  • Maintenance fee
  • High APR

Basic Info

Card Issuer:
Applied Bank®
Card Network:
VISA®
Card Category:
Consumer (Regular)
Common Uses:
  • Cards for Bad Credit
  • Instant Decision
Rewards Card:
No
Understanding credit card basics and data can be confusing. We are here to help.

Finance & Rates

Introductory APR (%):
N/A
Applied Towards:
N/A
Intro Period:
N/A
Regular APR:
29.99%
Regular APR Type:
Fixed*
Annual Fee:
See Terms*
Balance Transfer:
No*
APR on Cash Advances:
29.99%*
Grace Period:
None*
Late Payment Fee:
Up to $38*
Understanding cards finance, terms and common credit cards rates can be complicated. We can help.

Applied Bank® Unsecured Classic Visa® Card - Alternatives & Comparison



IMPORTANT
*The information provided for Applied Bank® Unsecured Classic Visa® Card is believed to be accurate at the time of evaluation or recent update on August 20, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on card issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
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Applied Bank® Unsecured Classic Visa® Card Reviews - (2 User Reviews)

Share your experience and review the Applied Bank® Unsecured Classic Visa® Card
(Good)
September 24, 2020
Income on Application
$2400
Credit Score
Fair (580-669)
Credit Limit
$2000
File for Bankruptcy
No
Maintenance fee
Dont like that it has a monthly maintenance fee!
Fees & Charges:
3/5
Features & Benefits:
3/5
Customer Support:
5/5
Application Process:
5/5
Comment (0)

(Good)
August 15, 2020
Income on Application
$38000
Credit Score
Fair (580-669)
Credit Limit
$300
File for Bankruptcy
No
Just got approved
I got approved but weary of the fees like annual and monthly
Fees & Charges:
3/5
Features & Benefits:
4/5
Customer Support:
4/5
Application Process:
5/5
Comment (0)

Applied Bank® Unsecured Classic Visa® Card

Applied Bank® Unsecured Classic Visa® Card

(156)
Min. Credit Required: Bad Credit OK*