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  PCB Secured Visa® Credit Card

PCB Secured Visa® Credit Card

in Personal Credit Cards from Plains Commerce Bank

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PCB Secured Visa® Credit Card

Unaffiliated

in Personal Credit Cards from Plains Commerce Bank

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Highlights
Highlights
Purchase APR  (Fixed APR) 18.9%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 350 - 720
Annual Fee $39

PCB Secured Visa® Credit Card Review

PCB Secured Visa® Credit Card is a secured credit card credit card issued by Plains Commerce Bank. If you're wondering whether PCB Secured Visa® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

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.
  • Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
  • 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.
PCB Secured Visa® Credit Card Pros & Cons
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.
  • Credit history not required.
  • Considers applicants with fair or poor credit.
  • 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.
  • Does not include many credit card benefits.
PCB Secured Visa® Credit Card FAQ

Is there a PCB Secured Visa® Credit Card cash back or rewards program?

No, PCB Secured Visa® Credit Card does not offer a rewards program.

What are the relevant APRs for PCB Secured Visa® 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. PCB Secured Visa® Credit Card has higher than average purchase 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% .

Does PCB Secured Visa® Credit Card have an introductory APR offer on balance transfers?

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

Does PCB Secured Visa® Credit Card have an introductory APR offer on new purchases?

PCB Secured Visa® Credit Card does not offer an introductory rate on new purchases.
PCB Secured Visa® Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for PCB Secured Visa® Credit Card?

The following fees apply to PCB Secured Visa® Credit Card:

PCB Secured Visa® Credit Card Fees
Fees Amount
Annual Fee $39
Foreign Transaction Fee 1%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does PCB Secured Visa® Credit Card have a foreign transaction fee?

PCB Secured Visa® Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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

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 can help improve your credit.

How to apply for PCB Secured Visa® Credit Card

  • Visit the PCB Secured Visa® 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 4:00pm
  • Saturday Closed

About PCB Secured Visa® Credit Card

Message From Plains Commerce Bank

We understand that establishing a positive credit history is important. That's why we offer the PCB Secured Visa® Card. Whether you are rebuilding your credit or new to credit, the PCB Secured Visa is the perfect choice. Our mission is to provide customers with quality service and products, by linking the values of the past with the ideas and technology of the future. Looking for a credit card to help build your credit history? When looking to build or rebuild your credit, there are advantages to the PCB Secured Visa® credit card. Like all secured credit cards it requires an upfront collateral deposit and works like any other credit card.

Feature Breakdown

Cash Advance Fee (%) 0% - 5%
Minimum Cash Advance Fee ($) $0 - $5
Foreign Currency Transaction Fee 1%
Annual Fee $39
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Credit History Not Required  
Customer Type Personal
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range 350 - 720
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Type No Rewards
Security Deposit $100 - $1,000
Cash Advance APR (Fixed APR) 20.9%
Credit Limit $200 - $1,000
Purchase APR (Fixed APR) 18.9%

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