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Savings Bank Card is secured card and issued by an FDIC insured bank that is located in the state of Pennsylvania. It is a great way for people that have no previous history to start to build their credit worthiness. Applications are also considered from those who have experienced past problems Cheap New England Patriots Jerseys , and would like to build some positive history.


This type or offer works in largely the same way as a traditional card, and is accepted for purchases anywhere that you see the Visa or MasterCard logo. There is however one key difference. Users are required to place an initial deposit on their account. This money then acts as a guarantee in case you default on your payments. If managed well and closed on good terms, the deposit will be refunded in full. Bear in mind though that this deposit will not be earning interest while it is withheld.


There is a minimum deposit of $200, and this deposit will be used to establish your limit Cheap Patriots Jerseys , as you will be given a limit equal to your deposit, up to a maximum of $3,000. After you account has been opened you may add to your deposit, which will increase your limit on a dollar for dollar basis.


There are a number of benefits for example it will report monthly to all three major bureaus. This is a great benefit over a prepaid or debit card Cheap Ryan Allen Jersey , as these types do not offer this facility. There is also an introductory rate of 0% APR on purchases for 6 months, a $0 fraud liability, free 24-hour online account access, and online and telephone support to contact if you have a problem.


The application process is relatively easy. Most people apply online Cheap Marcus Cannon Jersey , and once the Public Savings Bank receives your deposit and verifies your identification, social security number and address you will be approved. There is no actual credit check as the bank isn’t taking on any real risk because of your down payment. Additionally there are a variety of methods to open this account that secures your card.


The Public Savings Bank Secured Card is a better option than a prepaid visa card, as it allows you to build your FICO score. If, however Cheap Patrick Chung Jersey , you have previously managed your finances well, you should consider applying for a standard card, which will not require you to make an upfront payment. And remember to always read the full terms and conditions for any financial product before applying.


For more about the Public Savings Bank Card or for more about Bad Credit Cards visit us.