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% .

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.