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Self - Credit Builder Account + Secured Visa® Credit Card

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives


Updated: Nov 23, 2020
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The Self Credit Builder Account with Self Visa Secured credit card issued by Lead Bank, Member FDIC, Equal Housing Lender helps people to build credit. Its a good starter account with 12 to 24 months CD-backed loan, low fees, and reasonable APR. The Self will report your credit each month to the main 3 Credit Bureaus. After the agreed period, you will walk away with credit history and your accumulated savings.

ANNUAL FEE:

$0*

ONGOING APR:

See Terms *

INTRO APR:

N/A

59 User Ratings Self - Credit Builder Account + Secured Visa® Credit Card

at Self's Secured website

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Introductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Accepts All*

Key Features


  • Get the savings plan that helps build credit today!
  • Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus.
  • Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%.
  • Please refer to www.self.inc/pricing for the most recent pricing options.
$ 0 2020-11-30 InStock

Our Take


Self. Inc. is helping thousands of people begin their financial journey with a credit-builder account and secured visa credit card. The credit builder account is a CD-backed loan. You will be making small monthly payments over a 12-24 month period. At the end of the CD-backed loan period, you unlock your balance and walk away with accumulated cash. During the life of the loan, the Self. Inc is ...

Self. Inc. is helping thousands of people begin their financial journey with a credit-builder account and secured visa credit card. The credit builder account is a CD-backed loan. You will be making small monthly payments over a 12-24 month period. At the end of the CD-backed loan period, you unlock your balance and walk away with accumulated cash. During the life of the loan, the Self. Inc is reporting your credit to all 3 major Credit Bureaus. You can use your secured card 3 months after opening the balance with some restrictions. You will build your credit while you build savings.

How it works. Sample calculation

  1. Activate your account by paying $9 non-refundable administrative fee.
  2. Next month, you start paying $48 per month for 12 months. Each month you build credit with all 3 credit bureaus.
  3. After 12 months, you have established credit and you get $539 savings back.


Pros

  • Helps build/ rebuild your credit
  • No credit history needed to apply
  • Free credit score
  • Credit reporting

Cons

  • You will not access the secured card at once
  • No rewards program
  • No intro offer

Basic Information

Issuer: Other Issuers
Network: VISA®
Category: Consumer (Secured)
Common Uses:
  • Cards for Bad Credit
  • Instant Decision
  • Ultimate Financial Offer
  • No Credit / New to Credit
  • Building Credit
  • Damaged Credit
  • No Credit Check
Rewards: No
 

Rates & Fees

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: See Terms
Regular APR Type: N/A
Annual Fee: $0*
Balance Transfer: No*
APR on Cash Advances: N/A
Grace Period: N/A
Late Payment Fee: N/A
 

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Additional Info & Comments

To gain access to the secured card:
a) Open Credit Builder Account
b) Have $100 or more in savings progress
c) Make your last 3 monthly payments on-time
d) Have no outstanding fees



IMPORTANT
*The information provided for Self - Credit Builder Account + Secured Visa® Credit Card is believed to be accurate at the time of evaluation or recent update on November 23, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on the 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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Min. Credit Required: Accepts All*