Finding the best credit cards on the market that offer low interest rates, great rewards programs, and long 0% introductory periods designed for people with good to excellent credit is easy, but when it comes to finding great cards for someone with bad credit, there is somewhat of a challenge. Sure, these cards exist but most are not worth even applying. One card that would be the exception rather than the rule is the Public Savings Bank Secured Credit Card.
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Although this card is secured, meaning you would begin by depositing money into a special account set up by Public Savings Bank, within a few months of handling the account responsively, the card would change to unsecured at which time it is officially a standard card. Regardless, the Public Savings Bank Secured Credit Card comes with a six-month introductory period that includes a 0% Annual Percentage Rate for regular purchases. From there, the variable interest rate is 11.24%, very competitive for today.
The credit card is set up so there is no annual fee and monthly fees that are commonly associated with other credit cards are waved. Keep in mind that because the card is “loaded” with money initially, you do not need any credit whatsoever to apply, and receive approval.
In addition, with the Public Savings Bank Secured Credit Card even if you have bad credit, you would be approved. Therefore, anyone would be able to log onto the bank’s website, complete the application process, and in days, have the card in possession. However, once the card changes to an unsecured card, you would begin to build or repair damaged credit.
The way in which this credit card is managed is reported to all three reporting credit bureaus. Therefore, the way in which you handle the card would be reported by Public Savings Bank to Experian, Equifax, and TransUnion, which is exactly what you want when shopping around for a secured credit card. Instead of feeling as if you will never be able to build credit or repair bad credit, you have an excellent option with this credit card.
In summary, the Public Savings Bank Secured Credit Card offers a lower Annual Percentage Rate than you would get with like cards. Then, with a decent introductory period, reporting to all three credit bureaus, and a credit line anywhere from $200 to $1,500, this card makes perfect sense.