A secured credit card is a Visa or MasterCard that requires a savings account as security, similar to the security deposit you pay when you rent an apartment or lease a car. Using the credit card does not access your savings account, thus the money remains untouched in the savings account as long as your secured credit card account is open.

The following are some basic general Frequently Asked Questions. More specific questions will be answered on the FAQ page on the respective bank you apply from. I have bad credit, will I be approved? I have open bankruptcy, will you approve me? Does it work the same as a regular credit card? What are the advantages of a secured credit card? How long does it take to process a secured card application? What is the maximum credit limit I can get? What are the common causes of delays in processing? Will my payments be reported to credit bureaus Is my money safe? Where can I use the Secured Credit Card? Can I get a business secured card? Do you have an affiliate program?

Yes. Our banks guarantees approval regardless of your past or current credit problems. The only way you can be declined is if the past you had another credit card with our banks that you defaulted on.

Yes. Apply today for your own Secured Visa or MasterCard secured credit card knowing that you will be approved even if you have open bankruptcy.

Yes, there is nothing on the card that indicates it is a secured credit card. It can be used exactly the same as an unsecured credit card. Plus, the card offers all the convenience of any major credit card. You will receive monthly statements showing charges and total balance owing, and you are required to make a minimum payment each month. Your security deposit remains in your savings account and cannot be used to make your monthly payments.

A secured credit card can be one of the best tools for starting or rebuilding a favorable credit history. A major credit card paid on a timely basis is one of the strongest reference you can have on a credit report.

Processing times for secured Visa or MasterCard varies from bank to bank. Once you access the online bank application, the FAQ link will have all that information. The time varies from two (2) weeks to five (5) weeks to receive your credit card.

The maximum credit limit on the secured credit cards varies between $2,500 to $5,000 depending on the bank you apply for.

Common causes of delay in processing your application are:

• The applicant did not complete the online application with all required indormation.
• The applicant's check did not clear to pay for either security deposit or enrollment fee as required.
• The applicant does not meet the simple qualification requirements as outlined the individual banks.

Yes, it will be reported to all three major credit reporting bureaus, Experian (formerly TRW), Trans Union and Equifax. By using your card regularly and paying at least the minimum payment on time each month, you will be building favorable record at all major credit reporting bureaus. Our banks will help you establish or re-establish good credit by reporting your Credit Card account to all major credit bureaus every month.

Yes! Your security deposit will be placed in a savings account in your name at an FDIC-insured bank.

You can use your secured Visa or MasterCard credit card anywhere in the world. This includes over 14 million locations throughout the world! In addition, cash advances are available at over 275,000 ATM locations worldwide.

No. The Secured Visa or MasterCard credit cards are for consumers only. However, you can apply for more than one card by applying to more than one bank and simply designate one card for business expenses and one for personal expenses. Both credit cards will be in your name.

Yes. Credit Solutions USA is seeking for affiliates to market the Guaranteed Approval Secured Visa or MasterCard. Are you interested in becoming a Secured Credit Cards Affiliate earning good extra cash $20 to $30 per approved secured credit card account while helping people with their credit problems?. If the answer is yes, please Click Here for more information on this great business opportunity!.