First Choice Bank Excent Secured Visa Credit Card
in Personal Credit Cards from First Choice Bank
UnaffiliatedFirst Choice Bank Excent Secured Visa Credit Card
in Personal Credit Cards from First Choice Bank
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| Purchase APR (Fixed APR) | 13.99% |
| Balance Transfer APR (Fixed APR) | N/A |
| Credit Score Range | 300 - 700 |
| Annual Fee | $39 |
First Choice Bank Excent Secured Visa Credit Card Review
This is a secured credit card credit card issued by First Choice Bank. If you're wondering whether First Choice Bank Excent Secured Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. First Choice Bank Excent Secured Visa Credit Card has a fixed purchase APR of 13.99%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
| The Good | The Bad |
|---|---|
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Does First Choice Bank Excent Secured Visa Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the relevant APRs for First Choice Bank Excent Secured Visa Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a fixed purchase APR of 13.99%. It also has a fixed cash advance APR of 18.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does First Choice Bank Excent Secured Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does First Choice Bank Excent Secured Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Choice Bank Excent Secured Visa Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $39 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $29 |
Does First Choice Bank Excent Secured Visa Credit Card have a foreign transaction fee?
First Choice Bank Excent Secured Visa Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for First Choice Bank Excent Secured Visa Credit Card?
The First Choice Bank Excent Secured Visa Credit Card customer service number is (609) 454-0337.
Does First Choice Bank Excent Secured Visa Credit Card report your account activity to credit bureaus?
Yes, First Choice Bank Excent Secured Visa Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for First Choice Bank Excent Secured Visa Credit Card
- Visit the First Choice Bank Excent Secured Visa Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
PO Box 472
Kingston, NJ 08528 - (609) 454-0337
- Visit Site
About First Choice Bank Excent Secured Visa Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Starting at 5% |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $39 |
| Minimum Interest Charge | $1 |
| Returned Payment Fee | Up to $29 |
| Additional Card Fee Amount | $29 |
| Late Fee Amount | Up to $29 |
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