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  First Choice Bank Excent Secured Visa Credit Card
First Choice Bank Excent Secured Visa Credit Card
in Credit Cards from First Choice Bank
Unaffiliated

First Choice Bank Excent Secured Visa Credit Card

Unaffiliated
in Credit Cards from First Choice Bank
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  
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.

Key Takeaways

  • 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 relatively good approval odds.

Pros & Cons of First Choice Bank Excent Secured Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Considers applicants with fair credit.
  • First Choice Bank Excent Secured Visa Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $39
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

First Choice Bank Excent Secured Visa Credit Card FAQ

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. This card has lower than average regular APRs.

First Choice Bank Excent Secured Visa Credit Card 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:

First Choice Bank Excent Secured Visa Credit Card Fees
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.

What is the support contact email for First Choice Bank Excent Secured Visa Credit Card?

The support contact email for First Choice Bank Excent Secured Visa Credit Card is n/a.

What is the First Choice Bank Excent Secured Visa Credit Card login page?

You can access the First Choice Bank Excent Secured Visa Credit Card login page here.

How do people rate the customer service and user experience of First Choice Bank Excent Secured Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

About First Choice Bank Excent Secured Visa Credit Card

View First Choice Bank Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

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
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $29
Additional Card Fee Amount $29
Late Fee Amount Up to $29
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 300 - 700
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 18.99%
APR Type Fixed APR
Balance Computation average daily balance (including new purchases)
Credit Limit $200 - $5,000
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) 13.99%
Card Type
  • Secured
  • Low Interest
  • Bad Credit
Card Network Visa

First Choice Bank Excent Secured Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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