Public Savings OPEN SKY Secured Visa Credit Card
Card Type: Visa
Card Issuer: Public Savings Bank
Card Category: Secured
Apply for Platinum BusinessCard with Unlimited Rewards
- No Credit Check for Approval
- No Checking account required
- Reports to All 3 Major Credit Bureaus!
- All Applications Considered
- Quick and Easy Online Application
- 4 Ways to Fund your Card
- Accepted Everywhere you see the Visa Logo
- Choose your own Credit Limit $200 - $3000
- Rating:
- Intro Rate:
- No Introductory Rate Available
- APR (Cash):
- 14.25%
- APR (Purch):
- 14.25%
- Annual Fee:
- $50
Review
The Public Savings Bank OPEN SKY Secured Visa Credit Card, issued by Public Savings Bank, is ideal for those who are trying to improve their credit. This is because Public Savings Bank reports card activity to all three major credit bureaus every month. Because the Public Savings Bank OPEN SKY Secured Visa Credit Card is a secured credit card, all applications are accepted, regardless of past credit history, or a lack of credit history. A secured credit card is one that is secured with a deposit. The amount of the deposit then becomes the cardholder's credit limit. The minimum deposit for this card is $200, the maximum is $3,000. The interest rate for the Public Savings Bank OPEN SKY Secured Visa Credit Card is reasonably low. There is an annual fee of $50, but there is no enrollment fee. Applicants who are interested in improving their credit by using a low interest secured credit card will be best served by what the Public Savings Bank OPEN SKY Secured Visa Credit Card has to offer.
Most attractive features: Reports to all 3 major credit bureaus monthly.
Least attractive features: Interest not earned on deposit amount.
Additional Perks: See website for additional benefits.
Rates & Fees
Introductory rate: No Introductory Rate Available
Applied towards: None
Introductory Rate Details: n/app
Apr(Purchases): 14.25%
Apr(Cash Advances): 14.25%
Finance Configuration: Average Daily Balance (including new purchases)
Annual Fee: $50
Additional Cardholders: The annual fee of $50 will be assessed before you begin using your card and will reduce the amount of credit you initially have available.
Grace Period: 25 Days (Min.)
Minimum Credit Limit: $200
Maximum Credit Limit: $3,000 or $5,000**
Late Payment Fee: $20
Cash Advance Fee: 5% of the amount of each Cash Advance
Balance Transfer Fee: 5% of the amount of each Balance Transfer
Important Notations: **Lifetime credit lines can go up to $5,000; the personal line of credit maximum is $3,000 See website for complete terms and conditions of card usage and application disclosure.
Rewards
First Purchase Bonus: n/app
Balance Transfer Bonus: n/app
Annual Bonus: n/app
Other Bonus: n/app
Bonus Details n/app
Reward Type: n/app
Optional Rewards: n/app
Minimum Rebate: n/app
Rebate Details: n/app
Maximum Rebate: n/app
Additional Rebates: n/app
Miles per Dollar spent: n/app
Mile Reward Details: n/app
Additional Miles: n/app
Points per Dollar spent: n/app
Point Details: n/app