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纯担保万事达卡® 信用卡

建立或重建你的信用. +, save with no annual fee and a 低利率.


安全地建立你的信用

This card is for you if you’re looking to establish or re-build your credit.

它是如何工作的

  • You provide a refundable security deposit when you apply.
  • Once you’re approved, your credit line will equal the amount you deposit.
  • Start using your card and paying it off responsibly and you’ll see a change on your credit report.

You’ll also benefit from no annual, balance transfer, over-the-limit, or returned payment fees. 今天就开始吧! 马上申请.

福利指引

条款 & 条件

好处

竞争性低费率

一个 低利率 of 11.4月45%1

安全

Set up alerts, view your account activity, and even lock or unlock your card in Patelco在线™

万事达卡® 身份盗窃保护

No-cost personal information protection with your 万事达卡 debit or credit card — 点击这里了解更多

零责任保障

Additional protection should someone make unauthorized purchases with your card — 点击这里了解更多

方便

把它下载到你的手机里 电子钱包, set it as your preferred online payment option or insert it when you’re out shopping – you have the flexibility to use your card the way you choose

信用卡 利率

2023年9月26日生效

卡类型4月范围1
18308信用卡-Pure-担保 万事达卡纯担保万事达卡®$300 - $10,00011.45%109/26/2023$10,000
18300信用卡-进步学生奖励进步学生奖励®$300 - $5,00013.40% to 21.90%409/26/2023$50,000
18284信用卡-积分奖励世界万事达卡积分奖励世界万事达卡®$300 - $50,00013.40% to 21.90%309/26/2023
17972信用卡——纯万事达信用卡纯粹的万事达卡®$300 - $50,00011.75% to 18.95%209/26/2023$90,000

常见问题

  • On credit cards, the interest rate and APR are the same thing.
    Some financial products have a different interest rate and APR (annual percentage rate). That’s because the interest rate is the rate to borrow the money itself; it’s based on market rates and your individual credit score. 的4月, 另一方面, includes other fees and costs that are also part of the loan; it’s decided by the lender. You can think of the interest rate as a way of determining your monthly costs, and the APR as a way to determine the entire cost of the loan. Federal law requires that lenders like us tell you the APR in every consumer loan agreement.

    A primary advantage of credit cards is that they allow you to make larger purchases that you may not have the cash for right now – such as an appliance or an unexpected car repair.br/ Another advantage of credit cards is that they are an easy way to build your credit history and (when used properly) increase your credit score. Having an established credit history and a good credit score can help you get a better loan later for buying a car or a house.

    We calculate your monthly charges based on your balance and your annual percentage rate (APR). If you pay your card off in full each month, you won’t be charged interest.
    If you don’t pay your card off in full each month, you will be charged interest. Even though your APR is a percentage expressed in terms of a year, it is also used to calculate charges for a single month.
    When you carry a balance and don’t pay off your card in full, you’ll be charged interest based on the annual rate but calculated in terms of how long you’ve carried that balance.

    The 纯担保万事达卡 is great if you’re looking establish or re-build your credit. If you’d like help deciding, meet with someone in our 虚拟分支. They are available for immediate service and appointments during business hours.

    You will need to be at least 18 years of age, 你有社会安全号码吗, US address and US saving or checking account, and provide all the required information in the online application.

    If you pay your balance in full and close your credit card account, 我们会退还您的保证金. This might take a billing cycle or two to process.

现在就开始吧

The Patelco 纯担保万事达卡 信用卡 gives you a convenient and secure way to pay.

Access your account from almost anywhere

报名参加 Patelco在线™ 下载 手机应用程序 and you’ll have convenient, secure access to your account.

•检查你的余额
•查看交易
•付款和转账

1 年利率. 截至2023年9月26日的可变年利率. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.

比较

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