Public Savings Bank Classic Secured VISA Card Review

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The Public Savings Bank Classic Secured VISA 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 Classic Secured VISA 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 $300, the maximum is $2,000.

The interest rate for the Public Savings Bank Classic Secured VISA Card is reasonably low, and the Public Savings Bank Classic Secured VISA Card has no annual fee. The application fee is $75.

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 Classic Secured VISA Card has to offer.

Review Date: April 27, 2010

Terms and Conditions

Note: The review on this card was updated on April 27, 2010. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.

Credit Card Rate Details
Intro Rate (Intro APR):	0% APR for 6 Months
Intro Applied Towards:	Purchases
Additional Intro Details:	0% APR on purchases for 6 months.
Purchase APR:	11.24% (Variable)
Cash APR:	18% (Variable)
Finance Configuration:	Average Daily Balance (including new purchases)

Credit Card Fee Details
Annual Fee:	$0
Annual Fee Details:	There is no annual fee. There is, however, a returned check fee of $25.
Grace Period:	25 Days
Over the Limit Fee:	$20
Cash Advance Fee:	The greater of $5 or 3.5% of the cash advanced.
Application Fee:	$75
Participation Fee:	$0
Total First Year Fees:	$75
Minimum Credit Limit:	$300
Maximum Credit Limit:	$2,000
Minimum Deposit:	$300
Maximum Deposit:	$2,000

Features
Most Attractive Feature(s):
Reports to all 3 major credit bureaus monthly.
Least Attractive Feature(s):
Interest not earned on deposit amount.
Additional Features:
See website for additional benefits.

Important Notations
See website for complete terms and conditions of card usage and application disclosure.

Additional Information
Apply Online for the Public Savings Bank Classic Secured VISA Card from Public Savings Bank See other Secured Credit Cards See other Credit Cards Issued by See other Visa Credit Cards

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