Secured Credit Cards

Build positive credit history with a secured credit card.

Overview

Building good credit is just as important as removing negative items. Having said that, we urge you to establish good credit accounts as soon as possible. The longer you have an account open the more it will help your score, and having two to three cards will help more than just one.

What is a secured card? A secured credit card is typically a Visa or Mastercard, but it requires a cash deposit as collateral. The cash deposit cannot be touched while you have the card but will be refunded to you when the card is closed. Think of it like the security deposit on an apartment; once you move out of the rental you get your security deposit back but while you are living in the apartment you do not have access to the security deposit money.

Our secured credit cards are easy to get in fact you CANNOT be declined for bad credit because there is NO CREDIT CHECK! We have partnered with Credit Builder Card because they understand that our clients are attempting to better their financial situation and the cards offered have the lowest annual fee in the industry!

Please remember that you only want to use up to 30% of your available credit on each card. Once you go over 30% it starts to bring down your credit score.

How It Works

Apply

Apply in minutes — no credit check required. You cannot be declined for bad credit.

Deposit

Make a refundable deposit of $200 or more. Your credit limit equals your deposit amount.

Build

Use your card for small purchases and pay on time. Reports to all 3 bureaus monthly.

Reports to all 3 bureaus — receive your card in as little as 2 weeks!

Key Benefits

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No Credit Check

You cannot be declined for bad credit.

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Reports to All 3 Bureaus

Equifax, Experian, and TransUnion.

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Refundable Deposit

Get your deposit back when you close the card.

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Fast Delivery

Receive your card in as little as 2 weeks.

Frequently Asked Questions

What is a secured credit card?

A secured credit card is a Visa or Mastercard that requires a refundable cash deposit as collateral. Your credit limit is typically equal to your deposit amount. It reports to all three credit bureaus just like a regular credit card.

Can I be declined for bad credit?

No. There is no credit check required. You cannot be declined for bad credit because the card is secured by your deposit.

How much do I need to deposit?

Deposits typically range from $200 to $500, but can go higher. Your credit limit will usually match your deposit amount. The deposit is fully refundable when you close the card.

How much of my credit limit should I use?

We recommend using no more than 30% of your available credit on each card. Going over 30% can start to negatively affect your credit score.

Why does NCF recommend a secured credit card?

A secured credit card builds new, positive credit history while we work to repair past issues. This two-pronged approach — repairing and building at the same time — gives clients the best chance of maximizing their credit score in the shortest amount of time.

Build Credit the Easy Way

Get started with a secured credit card today — no credit check required.

GET STARTED NOW

860-282-6181