Public Saving Bank Credit Card

[JackBondLove]

http://www.creditcards.com/credit-cards/public-savings-bank-classic-visa.php

Anybody have this card? Seems like a pretty good deal, although this page does not list any one time application fee.

[GettingGoing]

http://www.creditcards.com/credit-ca...assic-visa.php

Anybody have this card? Seems like a pretty good deal, although this page does not list any one time application fee.

Its a secured credit card and there is a $75 app fee.

[thereshope]

[mstomica]

Do they report to the credit bureaus as secured?

[thereshope]

mstomica. I copied your question from the FAQ page, the link is below:

"DOES PUBLIC SAVINGS BANK REPORT TO THE CREDIT BUREAUS THAT THIS ACCOUNT IS SECURED?
No. This credit card will report like any other credit card. There are also no identifying marks on the plastic relating to this being a secured account."

https://www.publicbankcard.com/InfoPage.aspx

[mstomica]

Thanks. I am debating on this one. Application fee is a bit much..not unless I get it back..

[shelveen]

i have this card...its pretty nice

i have a 1500 limit, thats teh amount of the deposit...it reports as unsecured to ALL three bureaus

the only thing i dont like is tha fact that they always put your payment on hold for 10 days after it clears my account. so if i make a payment today...i cant use the credit line for about 15 days.

i like the american express way...you make the payment and its available immediately and they draft from your bank account the next business day.

i got this card to build my credit again after i filed chapter 7...finally got my credit all cleaned up.

the only thing negative is the public record for BK and 1 account that i included in BK...the rest of off....my transunion and equifax is about 660 and my experian is about 680....i went from the 540s to this in about 1.5 years.

[mstomica]

That's good. I have credit one and household bank. I was thinking of getting this one or cap 1 secured. I am still thinking!