Dupage Credit Union Visa Credit Builder Secured credit cards may not have as many features or options as this company’s unsecured credit cards, but there are several other selling points. First, anyone that has a bank account with the Dupage Credit Union can apply and be approved for a Visa Credit Builder Secured credit card. Of course, a security deposit is required.
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Because the Dupage Credit Union Visa Credit Builder Secured line of personal credit cards is made for consumers that have had credit issues in the past, applicants may want to review the Federal Reserve website. Although being approved for any type line of credit can raise your credit score significantly, it is important to understand how to use it responsibly.
Dupage Credit Union Visa Credit Builder Restrictions
The maximum line of credit on Dupage Credit Union Visa Credit Builder Secured credit cards is $2,000. The minimum is $500. There are no set-up fees applicable that many other secured credit card issuers charge, nor is there a yearly maintenance fee.
The amount of your line of credit issued on the Visa Credit Builder Secured credit card will be equal to the deposit placed in your Dupage Credit Union savings account. Some of the perks provided to credit cardholders, such as the complimentary car rental insurance plan, may not be available to consumers that have secured credit cards.
Dupage Credit Union Visa Credit Builder Interest Rates
Because the Dupage Credit Union Visa Credit Builder Secured credit card is for consumers who do not have a high credit score, the 24.88% interest rate is understandable. As these are secured credit cards meant only for credit rebuilding purposes, late credit card payments and delinquencies can cause the account to be closed quickly.
Any Visa Credit Builder Secured credit card account that is voluntarily closed will have his or her deposit returned within 60 days. All of the fees charged on Dupage Credit Union Visa credit cards are the same.
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