Applied Bank® Unsecured Classic Visa® Card

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.