Here are a few exclusive badges for you to display on your blog, facebook page, etc.
Click on them for an embed code to cut and paste.
Here are a few exclusive badges for you to display on your blog, facebook page, etc.
Click on them for an embed code to cut and paste.
The U.S. Bank Secured Visa works on the Visa network and is primarily intended for consumers who have a limited or blemished credit history. This credit card is a secured card that requires you to make a deposit into your account in order to use the card.
The regular interest rate for purchases made with this card is 20.99%…
variable APR. The customary rate applied to balance tranfers to this card is 20.99% variable APR. The regular interest rate for cash advances made with this card is 20.99% variable APR. Please note that all of the above rates may be replaced with the current default rate of 28.99% APR upon any of the following events: 1 late payment consecutively in 12 billing cycles or over credit limit consecutively in 12 billing cycles.
The U.S. Bank Secured Visa has an annual fee of $35.00. For balance transfers to this card, you will incur a transaction fee of 3% (minimum of $5.00). If you use this credit card for cash advances, the applicable fee is 4% (minimum of $10.00). If you miss a monthly payment on this card, you will be charged a late payment fee of $19.00 for account balance between $0.00-$99.99 or $29.00 for account balance between $100.00-$249.99 or $39.00 for account balance greater than $250.00. Please note that if you exceed your credit limit with this card, you will be assessed a fee of $39.00.
The U.S. Bank Secured Visa also includes a number of addititional benefits such as the following: 24 hour toll-free cardmember services; free extra cards; pay your bills online; car rental discounts; worldwide acceptance/cash access; fraud protection; free online account access.
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| Estimated Rates | Introductory APR | Regular APR |
|---|---|---|
| Purchase rate* | N/A |
20.99% (variable)
|
| Balance transfer rate* | N/A |
20.99% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
20.99% (variable)
|
| Balance transfer rate* | N/A |
20.99% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
20.99% (variable)
|
| Balance transfer rate* | N/A |
20.99% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
20.99% (variable)
|
| Balance transfer rate* | N/A |
20.99% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
20.99% (variable)
|
| Balance transfer rate* | N/A |
20.99% (variable)
|
| Cash advance rate* | N/A |
20.99% (variable)
|
| Default rate* | N/A |
28.99% (variable)
|
| Fees | ||
| Annual Fee* | $35.00 | |
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* | $2.00 | |
| Fees | ||
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* | $2.00 | |
| Fees | ||
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* | $2.00 | |
| Fees | ||
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* | $2.00 | |
| Fees | ||
| Balance transfer fee* | 3% (minimum of $5.00) | |
| Cash advance fee* | 4% (minimum of $10.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $39.00 | |
| Foreign currency fee* | 3% | |
| Min finance charge* | $2.00 | |
| Card Features | |
|---|---|
| Category | Consumer |
| Network | Visa |
| Min Credit Level | Bad (619 or less) |
| Instant Approval | No |
| No Annual Fee | No |
| Rewards Program | No |
| Method For Computing Balance | Average Daily Balance |
| Universal Default | Yes |
| Revolving Credit | Yes |
| Secured Card | Yes |
| Card Benefits | |
| 24 Hour Toll-Free Cardmember Services (Prompt, friendly service available every hour, every day at 1-800-285-8585) | |
| Free Extra Cards (You can share benefits of card use with members of your family.) | |
| Pay your bills online | |
| Car Rental Discounts (Discounts on car rentals with Avis, Alamo, Hertz, and National.) | |
| Worldwide Acceptance/Cash Access (Use your U.S. Bank Secured Visa Credit Card at millions of locations and 805,000 ATMs worldwide) | |
| Fraud Protection (You are not responsible for unauthorized charges if your U.S. Bank Secured Visa Credit Card is lost or stolen. Replacement cards sent within 48 hours) | |
| Free Online Account Access | |
| How does this card comply? | |
|---|---|
| Protection from arbitrary rate increases | |
| The right to have rates reviewed and reduced | |
| Fair allocation of payments | |
| No universal default | |
| No double-cycle billing | |
| No fees for paying your bill | |
| Protection from due date gimmicks | |
| Enough time to pay your bill | |
| Education on dangers of minimum payments | |
| Protection of young cardholders | |
