UNITY Visa Secured Credit Card
in Personal Credit Cards from OneUnited BankUnaffiliated
UNITY Visa Secured Credit CardUnaffiliated
in Personal Credit Cards from OneUnited Bank
Strongly not recommended
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UNITY Visa Secured Credit Card Review
UNITY Visa Secured Credit Card is a secured credit card credit card issued by OneUnited Bank.
Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.
Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 300.
Credit limit. This card has a credit limit of up to 10000.
If you're wondering whether UNITY Visa Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a UNITY Visa Secured Credit Card cash back or rewards program?
No, UNITY Visa Secured Credit Card does not offer a rewards program.
|Rewards rate (all purchases)||N/A|
|Max rewards rate||N/A|
|Annual rewards limit||N/A|
|Signup Bonus ($)||N/A|
What are the relevant APRs for UNITY Visa Secured Credit Card?
UNITY Visa Secured Credit Card has a fixed purchase APR starting at 17.99% . The card has a fixed balance transfer APR starting at 17.99% .
It also has a fixed cash advance APR starting at 17.99% .
Does UNITY Visa Secured Credit Card have an introductory APR offer?
Yes, UNITY Visa Secured Credit Card offers an introductory APR rate on balance transfers of 9.95% for a period of 6 months.UNITY Visa Secured Credit Card does not offer an introductory rate on new purchases.
|Purchase APR||Starting at 17.99%|
|Balance Transfer APR||Starting at 17.99%|
|Cash Advance APR||Starting at 17.99%|
What are the UNITY Visa Secured Credit Card fees?$39 Annual Fee. UNITY Visa Secured Credit Card charges an annual fee of $39. 2% Foreign transaction fees. UNITY Visa Secured Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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.
The following fees apply to UNITY Visa Secured Credit Card:
|Foreign Transaction Fee||2%|
|Balance Transfer Fee||3%|
|Minimum Balance Transfer Fee||$10|
|Returned Payment Fee||$25|
|Late Payment Fee||$10|
Does UNITY Visa Secured Credit Card report your account activity to credit bureaus?
UNITY Visa Secured Credit Card reports your account activity to the following credit reporting agencies:
Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.
How to apply for UNITY Visa Secured Credit Card
- Visit the OneUnited Bank website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- 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.
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Grace Period for Late Payment||25|
|Returned Payment Fee||$25|
|Minimum Interest Charge||$1|
|Late Fee Amount||$10|
|Balance Transfer Fee %||3%|
|Balance Transfer Fee Minimum||$10|
|Foreign Currency Transaction Fee||2%|
|Credit Score Range||
300 - 640
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Purchase APR (Fixed APR)||Starting at 17.99%|
|Cash Advance APR (Fixed APR)||Starting at 17.99%|
|Balance Computation||average daily balance (including new purchases)|
|Balance Transfer APR (Fixed APR)||Starting at 17.99%|
|Intro APR period||6|