When you don't have ideal credit and don't want credit checks, the secured Visa by National Express provides you with better options. You can apply online and be approved as long as you are willing to secure your Visa with a cash deposit.
How To Apply For The Card
The card is simple to apply for. With an online application, you can log onto the website at your convenience – day or night. You will need to enter some basic personal information about you. This includes such details as name, mailing address, social security number and email address. There will also be additional information required, including your place of employment and your earnings.
Upon completing the application, you will be approved for the card. There is no credit check, making it easy to get the guaranteed approval. You will then be asked to secure your credit card with a deposit. The deposit you make will be what your credit line is.
The card will then be mailed out to you. You will activate the card and can begin using the card just as you would any other credit card. This gives you spending power all over the world to make it easier to make purchases, even when you don't have cash on you.
What A Secured Visa Is About
A secured Visa is different than other Visa cards. It spends in the same manner. The only difference is that it requires a deposit to ensure you are going to make the payments. Since there is no credit check and no minimum credit score, you are guaranteed to get the card. However, the card is secured, which helps the bank to know that you are good for the payments.
The security deposit on the card is 100% refundable. If you ever decide to cancel the card, you can request the deposit back. It will then be returned to you with no penalty charges from it. This gives you the ability to have credit when you choose and decide to cancel if you ever want to move to an unsecured Visa once your credit improves.
The main benefit is that it works more like a Visa than a prepaid card. You will be able to improve your credit score when payments are made on time. There is monthly credit reporting to the three major bureaus including Trans Union, Experian and Equifax.
Plus, at any time, you can choose to increase your credit line up to a certain amount. All you have to do is add more to your security deposit so the bank will know to increase your credit line to the desired amount. This will give you more spending power where you want to go.
Perks Of The Visa Card
There are several benefits to having the Visa card, which can help you dramatically throughout the year. These are featured throughout the year at no additional cost to you.
- Spending power
- Fixed APR
- Online account tools
- Customer service
- Fraud protection
With the power of Visa, you have incredible spending power. The card is accepted worldwide, allowing you to shop where and when you want. You choose where you want to spend and what you want to buy. The card will always be approved as long as you do not exceed your credit line. The card will be accepted over the phone, on the internet as well in person. With such spending power, you never have to worry about not having a way to pay for a purchase wherever you are. It's the most widely accepted credit card on the planet.
There is a fixed APR with the card. From the moment you submit your application, you are locked into a low APR. This APR will not change from month to month, as is common with other credit cards. Your rate will also never increase if you are late on a payment. With such a secured Visa, there are some benefits to choosing this card over traditional credit cards.
Online account tools come at no additional cost. These tools allow you to log onto the internet to view account details. You can track your current account balance, credit line availability and past purchases with the click of a button. Managing finances is simple, allowing you to buy what you need without going over your credit line. It's possible to download statements, contact customer service and even pay your bill online. You can schedule your monthly payment in advance to ensure you are never late.
Customer service is available online and on the phone. When you call online, you can listen to an automated message for account balances, credit line availability and the minimum amount due on your account. There is also the option to talk to a customer service representative. If you have questions about your account, need to dispute a charge or anything else, you have the ability to speak to a live representative. That person can answer your questions immediately, providing you with the help you need.
Cash is dangerous to carry because it can be lost or stolen. With the secure Visa, it offers fraud protection. The card is monitored to keep your personal information safe. In the event that you lose your card or it is stolen, you can report it and have another card issued to you. This ensures your money is always safe, unlike cash.
Apply for the card today and find out how National Express secured Visa can make it easier to buy what you want no matter where you are. It’s the card you can take with you and manage your finances. It’s a great way to get back on track financially.