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  PCB Secured Visa® Credit Card

PCB Secured Visa® Credit Card

in Personal Credit Cards from Plains Commerce Bank

Unaffiliated

PCB Secured Visa® Credit Card

Unaffiliated

in Personal Credit Cards from Plains Commerce Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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2 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

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

This is a secured credit card credit card issued by Plains Commerce Bank. If you're wondering whether PCB credit card is the right card for you, read on. This review will provide you with with all the details you need 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.
  • 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 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.
  • 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 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. It has higher than average regular APRs.

It has a fixed purchase APR of 18.9%. It also has a fixed cash advance APR of 20.9% .

Does PCB credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does PCB credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for PCB credit card?

The following fees apply:

PCB 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 credit card have a foreign transaction fee?

PCB 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 foreign transaction fees.

What is the customer service phone number for PCB credit card?

The PCB credit card customer service number is (877) 227-7548.

How do people rate the customer service and user experience of PCB credit card?

Overall, PCB credit card is strongly recommended based on community reviews that rate customer service and user experience.

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.

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.

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.

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

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%
Card Type
  • Bad Credit
  • Secured
  • Student
Card Network Visa

PCB Secured Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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