Platinum Zero™ Secured Visa Credit Card issued by Applied Bank
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

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 Platinum Zero™ Secured Visa® Credit Card is a secured card issued by Applied Bank®. With no credit or income requirements, this card is designed for those with limited or poor credit history. The major benefit of this card is the fixed APR of 0% for purchases, which is reasonably low for a secured card. There is a $500 minimum deposit required, a $5,000 maximum, and a fee of $9.95 per month. Unlike most secured credit cards, this card provides additional services and benefits, including online account access and various fraud protection services. It is important to note that a major drawback of the card is that there is no grace period for purchases. This means that interest will be applied immediately to any charges made with the card. A downside is that this card does not pay interest to the deposit amount, which sets it apart from other secured cards that do. Those who can afford the $500 minimum deposit and do not mind accumulating finance charges once a transaction is posted will benefit most from the very low rate that the Platinum Zero™ Secured Visa® Credit Card has to offer. Most Attractive Feature: Timely credit bureau reporting; No application fee Least Attractive Feature: Minimum deposit; monthly fee Apply Now For Platinum Zero™ Secured Visa Credit Card Note: The review of this Applied Bank card was updated on 10/29/2009 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

Key Card Information
Miscellaneous Rates and Terms
Credit Limits:	n/app (Maximum) / n/app (Minimum)
Purchases APR:	0%
Cash Advance APR:	9.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	None
Fees Associated with this Card
Annual Fee:	$0* *Billed at $9.95 per month ($119.40 Annually)
Add. Cardholders:	n/app
Late Payment Fee:	$32 to $35
Over-the-Limit Fee:	$32 or $35 (if your credit limit is greater than $1000)
Cash Advance Fee:	The greater of $5.00 or 5% of each Cash Advance which includes, but is not limited to, ATM and convenience check usage.

Additional Highlights of Interest

Special Card Benefits and Features See website for additional benefits. Important Notes Regarding This Offer See website for complete terms and conditions of card usage and application disclosure.