Learn how to apply for the PCB Visa Secured Credit Card

The Next Steps to Apply for the PCB Secured Visa Credit Card

Plains Commerce Bank has established a strong presence in the South and North Dakota regions, despite not being the most well-known banking brand. The bank understands the challenges faced by millions of Americans in obtaining credit cards and offers the PCB Secured Visa® as the top credit repair choice.

The PCB Secured Visa card sets its credit limit based on a collateral deposit. Cardholders can choose between $200 and $1,000 as their initial deposit. Additionally, after the first year, cardholders can increase their deposit up to a maximum of $5,000, subject to credit approval and additional collateral deposits. Secured credit cards, like the PCB Secured Visa, are easier to obtain than unsecured cards, making them an ideal choice for improving poor credit scores or building a solid credit history.

Responsible use of the PCB Secured Visa is crucial, as the card sends monthly reports to the three main credit bureaus: Experian, Equifax, and TransUnion. Cardholders should only make purchases they can afford to pay off immediately and ensure they always make the minimum payment required each month and on time.

If you are looking for a credit card that can help you improve your credit score, the PCB Secured Visa could be the right choice for you!

Eligibility for a PCB Secured Visa

In order to apply for a PCB Secured Visa®, you must have a Collateral Deposit Account with PCB Bank. There is no further connection required, according to Cindy Jager, the bank’s credit card manager. However, applicants must have a U.S. address, and the card cannot be issued in Wisconsin, due to state laws. Additionally, applicants must have an annual salary of at least $5,000 to be approved for the card.

How to Apply for a PCB Secured Visa

As PCB is a bank that is expanding its card offerings worldwide, the only way to apply for the card is online, through its website. Here is a step-by-step guide:

1. Visit the official PCB Visa webpage.
2. The option to apply for the card is available on the website’s home page.
3. Select “Start Your Application” from the menu.
4. Enter the requested personal data, such as your full name, email address, street address, ZIP code, and both home and mobile phone numbers.
5. Follow the instructions provided by PCB.
6. Submit your application and wait for the bank’s response. If approved, enjoy using your PCB Secured Visa responsibly.

Benefits of Having a PCB Secured Visa Credit Card

While the PCB Secured Visa may not offer as many bonuses as other cards, it is widely recognized as one of the best cards for credit building. If you need to improve your credit score, the PCB Visa Credit Card can be a reliable choice.

Comparison: PCB Secured Visa vs Sable One Credit Card

Both the PCB Secured Visa and the Sable One Credit Card are suitable options for individuals with bad credit scores. However, the Sable One Credit Card offers additional rewards, such as cashback and bonuses. If these features are important to you, the Sable One Credit Card may be the better option. On the other hand, if your primary goal is to increase your credit score, the PCB Secured Visa is highly recommended.

Pros of the PCB Secured Visa Credit Card

• Reports to all three credit bureaus
• Fixed APR
• A $1,000 security deposit that helps with credit repair

Pros of the Sable One Secured Credit Card

• No credit check required when applying for a credit card
• Double cashback during the first year
• Quicker path to an unsecured credit card compared to other institutions

How to Apply for the Sable One Credit Card

If you are interested in applying for the Sable One Credit Card, refer to this article for more information.

Written by

Claire Harrison