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.

• 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. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

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 rewards.

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 starting at 13.99% . It also has a fixed cash advance APR starting at 18.99% .

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.