Excent Secured Credit Card Reviews (Oct. 2020) | Personal Credit Cards

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

Excent Secured Credit Card Review

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

Key Takeaways

Competitive APRs. Excent Secured Credit Card has a fixed purchase APR of 13.99%
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 qualify.

Excent Secured Credit Card Pros & Cons

The Good	The Bad
Lower than average purchase APRs. Considers applicants with fair or poor credit. Excent Secured 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. You don't earn rewards on every purchase. Does not include many credit card benefits.

Excent Secured Credit Card FAQ

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

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

What are the relevant APRs for Excent Secured Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Excent Secured Credit Card has lower than average purchase APRs.

Excent Secured Credit Card has a fixed purchase APR of 13.99%. It also has a fixed cash advance APR of 18.99% .

Does Excent Secured Credit Card have an introductory APR offer on balance transfers?

No, Excent Secured Credit Card does not come with an introductory APR offer for balance transfers.

Does Excent Secured Credit Card have an introductory APR offer on new purchases?

Excent Secured Credit Card does not offer an introductory rate on new purchases.

Excent Secured Credit Card Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for Excent Secured Credit Card?

The following fees apply to Excent Secured Credit Card:

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

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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Contact

Headquarters
PO Box 472
Kingston, NJ 08528
(609) 454-0337
Visit Site

About Excent Secured Credit Card

View First Choice Bank Profile

Availability

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 days
Annual Fee	$39
Minimum Interest Charge	$1
Returned Payment Fee	Up to $29
Late Fee Amount	Up to $29

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Customer Type	Personal
Minimum Age	18
Supported Income Types	Direct Deposit (W2, SSA, SSDI) Cash Payroll Check or Prepaid Card 1099 Misc. Income
Military Status	Active Duty Military Non-Military Veterans Military Dependent
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed Unemployed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Checking Account Required
Credit Score Range	300 - 700 850 300 700

Cash Advance APR (Fixed APR)	18.99%
Balance Computation	average daily balance (including new purchases)
Credit Limit	Up to $5,000
Purchase APR (Fixed APR)	13.99%

Card Type	Secured Bad Credit
Card Network	Visa

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Excent Secured Credit Card

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