Public Savings Bank Secured Black Card
issued by Public Savings Bank |
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Overall Rating
Benefit Rating
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Apply online for this card or
read on for a full review of all the features.
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 In-Depth Credit Card Review |
This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar.
The Public Savings Bank Secured Black Card, issued by Public Savings Bank, is ideal for those who are trying to improve their credit. This is because Public Savings Bank reports card activity to all three major credit bureaus every month.
Because the Public Savings Bank Secured Black Card is a secured credit card, all applications are accepted, regardless of past credit history, or a lack of credit history. A secured credit card is one that is secured with a deposit. The amount of the deposit then becomes the cardholder\'s credit limit. The minimum deposit for this card is $200, the maximum is $10,000.
The interest rate for the Public Savings Bank Secured Black Card is reasonably low, and the Public Savings Bank Secured Black Card has no annual fee. The application fee is $79.
Applicants who are interested in improving their credit by using a low interest secured credit card will be best served by what the Public Savings Bank Secured Black Card has to offer.
Most Attractive Feature: Reports to all 3 major credit bureaus monthly.
Least Attractive Feature: Interest not earned on deposit amount.
Note: The review of this Public Savings Bank card was updated on 11/19/2009 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
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| Key Card Information |
| Introductory Rates and Terms |
| Intro Rate: | 0% APR for 6 Months |
| Applied Towards: | Purchases |
| Details: | 0% APR on purchases for 6 months. | | Miscellaneous Rates and Terms |
| Credit Limits: | $10,000 (Maximum) / $200 (Minimum) |
| Purchases APR: | 11.24% | | Cash Advance APR: | Varies between 19.99% and 23.99% There is a minimum APR on cash advances. | | Finance Config: | Average Daily Balance (including new purchases) | | Grace Period: | 25 Days | | Fees Associated with this Card |
| Annual Fee: | $0 There is no annual fee. There is, however, a returned check fee of $25. |
| Add. Cardholders: | $0 |
| Late Payment Fee: | $25 |
| Over-the-Limit Fee: | $25 | | Cash Advance Fee: | The greater of $5 or 3.5% of the cash advanced. |
| Additional Highlights of Interest |
Special Card Benefits and Features
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See website for additional benefits.
Important Notes Regarding This Offer
See website for complete terms and conditions of card usage and application disclosure.
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