PCB Secured Visa® Credit Card

PCB Secured Visa® Credit Card Review

This is a secured credit card card issued by Plains Commerce Bank. If you're wondering whether PCB credit card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 18.9%
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% 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 PCB credit card

The Good	The Bad
After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits). 24/7 online account center. Considers applicants who don't have a credit history. PCB Secured Visa® Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. 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 1%. You don't earn rewards on every purchase.

PCB credit card FAQ

Does PCB credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for PCB 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 higher than average regular APRs.

PCB Secured Visa® Credit Card has a fixed purchase APR of 18.9%. It also has a fixed cash advance APR of 20.9% .

What are the fees for PCB credit card?

The following fees apply:

PCB credit card Fees

Fees	Amount
Annual Fee	$39
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	1%
Returned Payment Fee	Starting at $ up to $40
Late Payment Fee	Starting at up to $40

This card charges a $39 annual fee.

Does PCB Secured Visa® Credit Card report your account activity to credit bureaus?

Yes, PCB 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 PCB credit card

• Visit the PCB 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.