PCB Secured Visa® Credit Card

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • A minimum collateral deposit of $200 is required to open this account.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit, Poor Credit, Limited Credit Secured $39* N/A* N/A* 18.90% (fixed)* None


PCB Secured Visa® Credit Card Quick Summary:
This Visa offer is issued by Plains Commerce Bank. This is a secured card that does not issue a traditional line of credit. See the terms and conditions for the purchase APR rate.

Important Rates:
Please see the card issuer's terms and conditions regarding annual percentage rates. 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, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 455 to 650 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 Plains Commerce Bank product.

Other Basics:
The grace period listed for the PCB Secured Visa® Credit Card is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

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).

Other Remarks:
  • Start Building Your Future Today! We understand that establishing a positive credit history is important. That's why we offer the PCB Secured Visa® credit card. Whether you are rebuilding your credit or new to credit, the PCB Secured Visa is the perfect choice. Our mission is to provide customers with quality service and products, by linking the values of the past with the ideas and technology of the future.
  • Looking for a credit card to help build your credit history? When looking to build or rebuild your credit, there are advantages to the PCB Secured Visa® credit card. Like all secured credit cards it requires an upfront collateral deposit and works like any other credit card.


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.

This card has a very poor approval or acceptance rate. Since this is a card for fair credit, numerous factors may influence this rate, including the APR, fees, or past applicants credit record and income levels. Furthermore, if your FICO score is close to or higher than 600, 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:
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