Secured Visa® Card

At last. A way to establish a credit history by making an investment in your future. We can help you qualify for a Secured Visa® Card even if you haven't had the chance to establish credit yet. And if you've had credit difficulties in the past, the Secured Visa® Card can help you get back on track.

It's easy. All you need to do is send us a deposit (from $300 to $5,000) to open a savings account. Then, once you're approved, we'll send you a credit card. Your credit line will be the same amount as your deposit. It looks and works just like any other credit card when you use it at a restaurant or store.

The money in your savings account is FDIC insured and won't be touched as long as you make all your credit card payments on time. It's just there to "secure" your credit line until you can qualify for a regular credit card. Plus, you'll earn interest on the money in your savings account. So in addition to building a good credit rating, you'll be making money.

Once you've demonstrated good credit habits, you'll be well on your way to getting a good credit rating. You'll find you need good credit to do almost everything from ordering merchandise through the mail to buying a car or a home. A good credit rating gives you the freedom to make choices, to enjoy the moment and to plan ahead. So whether you're just starting out, or making a fresh start, the Secured Visa® Card offers you a chance to start off on the right foot.

There's little difference between a secured and a regular credit card. Your Secured Visa® Card looks exactly like a regular, unsecured card and you use it exactly the same way you use a regular credit card. The stores you shop at will have no idea your card is secured by a savings account. Plus you can use your card at millions of locations worldwide.

It's Easy, Safe, and Practical

• You submit a cashier's check, a certified check or a money order with your credit card application.
• Your deposit is used to open a savings account which assures your credit card can be paid.
• There is no application fee.
• Your line of credit is equal to the amount of your savings account.
• As with an unsecured credit card, your purchases are billed to you each month.
• Payments are not auto deducted from your savings account.
• As long as you make timely payments, your savings account remains untouched and earns interest for you.
• When you have managed all of your credit obligations responsibly for 18 months, we may be able to continue your card membership without requiring you to secure your credit line.

Outstanding Benefits

Worldwide Acceptance/Cash Access
Accepted at millions of locations worldwide. Cash access at over 703,000 ATMs worldwide.

24 Hour Toll-Free Cardmember Services
Prompt, friendly service available every hour, every day at 1-800-558-3424

If you need assistance using our website, please call 1-800-558-3424

Liability Protection
Cardmember is not liable for purchases made with a lost or stolen card. Replacement cards sent within 48 hours.

Convenient Calling Card Service
A Secured Visa® Card can be used card as a calling card with no monthly service fee.

20 to 25 - Day Grace Period¹
Cardmember can take 20 to 25 days to pay for purchases in full without accruing interest, or they can let the balance revolve to the next month's statement.

Free Extra Cards
Cardmember can share benefits of card use with members of their family.

Getting Started
Apply today by calling 1-800-558-3424 to find out more about how the Secured Visa® Card can help you establish or re-establish your credit.

¹ Terms and Conditions

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The creditor, issuer, and service provider of the credit card is Elan Financial Services (Issuer).