Applied Bank® Secured Visa® Gold Preferred® Review

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

• Competitive APRs. Applied Bank® Secured Visa® Gold Preferred® has a fixed purchase APR of up to 9.99%.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% 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. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Is there a Applied Bank® Secured Visa® Gold Preferred® cash back or rewards program?

No, Applied Bank® Secured Visa® Gold Preferred® does not offer a rewards program.

What are the relevant APRs for Applied Bank® Secured Visa® Gold Preferred®?

Applied Bank® Secured Visa® Gold Preferred® has a fixed purchase APR of 9.99%. It also has a fixed cash advance APR starting at 9.99% .

What are the Applied Bank® Secured Visa® Gold Preferred® fees?

The following fees apply to Applied Bank® Secured Visa® Gold Preferred®:

Does Applied Bank® Secured Visa® Gold Preferred® report your account activity to credit bureaus?

Applied Bank® Secured Visa® Gold Preferred® 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 Applied Bank® Secured Visa® Gold Preferred®

• Visit the Applied Bank® Secured Visa® Gold Preferred® 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.