What is a secured credit card?
A secured credit card works like any other credit card except that it requires a security deposit. Once received, your deposit is placed in an interest bearing account and held as collateral. If you have had trouble getting approved for an unsecured card, this type of card may be right for you.
A secured credit card gives you the flexibility to make purchases just like any other credit card as well as giving you the option to pay off your balance in full each month or over time. In addition, as a secured cardholder, your account activity will be reported to the three major credit bureaus, so by making your payments on time you will be well on your way to building or re-establishing your credit!
Features:
- Low Variable Rate tied to Prime
- Monthly Statements via Mail
- Account access through the Internet
- 24 Hour emergency Card/Cash Replacement
- $150,000 Common Carrier accident Insurance and Baggage Delay Coverage
- 24 Hour a Day, 7 Day a Week Live Customer Service
Apply Today!
To apply, visit your local Republic Bank banking center.
If you have any questions, please call us at 502-584-3600 or outside Louisville, call toll-free at 888-584-3600.
Already a Cardholder?Check your balance, view statement history, make a payment and more. |
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ScoreCard® RewardsEarn Free Travel or Merchandise with Republic Bank's ScoreCard Rewards! Track your rewards points or redeem them at www.scorecardrewards.com. |
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Lost or Stolen Card?
- To report a lost or stolen Republic Bank VISA Credit Card, please call 1-866-839-3485
- To report a lost or stolen Republic Bank MasterCard issued through MBNA, please call 1-800-241-2110
| CREDIT DISCLOSURE | |
| Interest Rate and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases |
8.45%
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal. |
| APR for Cash Advances |
8.45%
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal. |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | $50 The annual fee will be charged to your securedcredit card account when it is opened and annually each year it remains open. The annual fee reduces the available credit remaining on your account. For example, if your available credit is $250 immediately before the annual fee is charged, the available credit remaining immediately after theannual fee is charged will be $200. |
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Transaction Fees |
Either $3 or 3% of each cash advance whichever is greater (maximum fee: $25). 0.8% single currency exchange per transaction in U.S. Dollars. 1% multi-currency exchange per transaction in U.S. Dollars. |
| Penalty Fees • Late Payment Fee • Returned Payment Fee |
$25 $25 |
| Other Fees • Expedited Phone Payment |
$6 |
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How will we calculate your balance?: We use a method called "average daily balance (including new purchases)”. See your Cardholder Account Agreement for more details. The information about the costs of the card, which is offered by Republic Bank & Trust Company, described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed, write to us at: Republic Bank |
