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  Excent Secured Credit Card

Excent Secured Credit Card

in Personal Credit Cards from First Choice Bank

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Excent Secured Credit Card

Unaffiliated

in Personal Credit Cards from First Choice Bank

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Highlights
Highlights
Annual Fee $39
Purchase APR  (Fixed APR) Starting at 13.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 700

Excent Secured Credit Card Review

Excent Secured Credit Card is a secured credit card credit card issued by First Choice Bank. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300.

This card has a minimum credit limit of 5000.

If you're wondering whether Excent Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Excent Secured Credit Card cash back or rewards program?

No, Excent Secured Credit Card does not offer a rewards program.

Excent Secured Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the relevant APRs for Excent Secured Credit Card?

Excent Secured Credit Card has a fixed purchase APR starting at 13.99% .

It also has a fixed cash advance APR starting at 18.99% .

Does Excent Secured Credit Card have an introductory APR offer?

Excent Secured Credit Card does not offer an introductory rate on new purchases.
Excent Secured Credit Card Balance Transfers
Description
Balance Transfer APR N/A
Introductory Rate N/A
Intro APR period (months) N/A
Excent Secured Credit Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR Starting at 13.99%
Credit Limit 5000
Penalty APR N/A
Cash Advance APR Starting at 18.99%
Introductory Rate N/A
Intro APR period (months) N/A

What are the Excent Secured Credit Card fees?

The following fees apply to Excent Secured Credit Card:

Excent Secured Credit Card Fees
Fees Amount
Annual Fee $39
Returned Payment Fee $29
Late Payment Fee $29

Does Excent Secured Credit Card report your account activity to credit bureaus?

Excent Secured 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 can help improve your credit score.

How to apply for Excent Secured Credit Card

  • Visit the Excent Secured 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

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About Excent Secured Credit Card

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • 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
Annual Fee $39
Late Fee Amount $29
Minimum Interest Charge $1
Returned Payment Fee $29
Bank Account Required  
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range 300 - 700
Card Network
  • Visa
Card Type
  • Bad Credit
  • Secured
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Cash Advance APR (Fixed APR) Starting at 18.99%
Purchase APR (Fixed APR) Starting at 13.99%
Balance Computation average daily balance (including new purchases)
Credit Limit 5000

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