Hawaii State Federal Credit Union Platinum Share Secured Credit Card

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Hawaii State Federal Credit Union Platinum Share Secured Credit CardThis special credit card is the perfect choice for someone that is trying to improve their credit score. The people that tend to benefit the most from a secured credit card are young people that have yet to establish any type of credit score and those that have a checkered credit history and want to do some damage control.

The FREE credit card chaser tool at the top of this page is the best way to compare credit cards today!

Someone that needs a secured credit card most likely needs other advice on how to improve their credit score as well. Websites like those for SmartMoney and MyMoney.Gov are two great sources for this type of information.

How the Hawaii State Federal Credit Union Platinum Share Secured Card Works

As with any other secured credit card offer, the cardholder must put a security deposit down for this card. This deposit will be kept in a special Hawaii State Federal Credit Union savings account. If the cardholder decides they want to cancel their account, then their deposit will be returned to them.

This deposit secures the account because it prevents the cardholder from charging over their credit limit, keeping the card provider safe from any type of default situation. There is a minimum deposit amount required, but the cardholder might want to deposit more money since this security deposit amount will be the same amount as their credit limit.

Hawaii State Federal Credit Union Platinum Share Secured Card Rates

The annual percentage rate for this secured credit card is extremely low at 8.5%. It is not uncommon at all to find secured credit cards with an interest rate of 18% or higher. Since the people that have these cards tend to have very low credit scores they are considered a greater risk to insure, and are typically saddled with very high interest rates.

This secured card also has fewer fees than others. There is no annual fee, no balance transfer fee, and no fee for going over the card’s credit limit.

Use the FREE credit card chaser now to compare credit cards and find the best one today!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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