UNITY® Visa Secured Credit Card
- Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
- No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
- No application fee or penalty rate
- Monthly reporting to all 3 major credit bureaus
- 24/7 online access to your account
- *See the Cardholder Agreement for more details.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards |
|---|---|---|---|---|---|---|
| Poor Credit | Secured | $39 | 9.95% for 6 months | N/A | 17.99% (Fixed) | None |
This Credit Card Is Currently Not Available
Important Notice: UNITY® Visa Secured Credit Card from OneUnited Bank is no longer available or maintained at Finance Globe. We are displaying limited archived data. Some information may be incomplete, inaccurate or missing. We apologize for the inconvenience. Here are some of the most popular cards on Finance Globe:
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UNITY® Visa Secured Credit Card Quick Summary:
This Visa offer is issued by OneUnited Bank. This is a secured card that does not issue a traditional line of credit. The purchase APR is 17.99% (Fixed).
Important Rates:
There is a introductory balance transfer offer APR of 9.95% for 6 months*. There is an annual fee of $39 for this card.
Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.
Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 546 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any OneUnited Bank product.
Other Basics:
Uses for this type of card may include budgeting funds, adding deposits for later use, building a credit rating (if issuer reports to the credit bureaus), and possibly more.This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).
Our Editor's Commentary:
There are many secured credit cards for consumers with poor credit, but the UNITY® Visa Secured Credit Card is one of the best. It has a low, fixed rate of 17.99% (Fixed). Also, all activity is reported to the three major credit bureaus.
With no application fee and a credit line secured by the FDIC, the UNITY® Visa Secured Credit Card continues to attract consumers with poor credit.
Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 546, then your chance of approval may be even greater.
Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
Community Opinion:
There are no reviews. If you have experience, you can write one now.
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