See the full review of the Self Visa Secured Card, understanding how it works, its main benefits, and fees. That way, you’ll know if it makes sense to you.
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In addition, you will understand who the Self Visa Secured Card is suitable for. Which is indispensable, to know if you are part of the public that will take full advantage of this credit card.
In order to give you a clear picture of everything the Secured card offers, we will also detail all the disadvantages of it. Keep reading to understand everything about this option.
Benefits of the Credit Card
For everyone who is starting to build their credit history or is going out of accounts, the Self Visa® Secured Card is undoubtedly an excellent alternative.
The first reason for this is that it does not require a credit check, which makes it easy to access even for those with low scores or no history.
In addition, all your transactions with the card are reported to the three main credit bureaus in the United States. In this way, with responsible use (paying invoices on time and keeping track of expenses), you will improve your score.
Above all, it has flexibility in the security deposit. The minimum amount is only US$ 100.00.
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Self Card Fees
Before applying for any card, you should know the fees involved well and Self Visa Secured is no different.
In principle, the interest rate (APR) for purchases is 28.24% per year. Therefore, you should pay the bill on time and avoid this high interest rate.
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On the other hand, the annuity fee is an advantage, as it is zeroed in the first year. After that time you will pay US# 25.00 per month.
In other words, the Self Card is an entry option that combines accessibility with a good opportunity to start, or restart, to build your score.
Who is the Self Visa card best suited for?
In the United States, millions of people face financial difficulty, according to Experian, about 29% of Americans have a credit score considered bad (up to 550 points).
If this is your case, a secured credit card like Self Visa is essential. It works with a security deposit, which becomes your credit limit, and all your movement will help you increase your core.
By the way, as of January 2025, the Self Visa is available to the general public and has a differential, it does not require a credit check at the time of application, making it easy to get the card.
Another strong point is the low amount of the initial deposit. While other cards of the same type ask for at least $200, Self Visa only requires $100.
Cons of Self Visa® Secured Card
Although the Self Visa Card offers many benefits for those who want to build credit, it also has some limitations that deserve attention before hiring.
One of the main ones is the annual fee of US$ 25.00. Even though new users may be exempt from this charge in the first year, it takes effect from the second. Therefore, you should be aware of this cost. Another aspect to look out for is the APR, which is above the market average.
In addition, the card does not offer a rewards program, such as cashback or points, an advantage that would be interesting in this card.
The credit limit is also low, with a maximum ceiling of $3,000, which may not be enough for those who intend to use the card for large purchases.
Finally, the company’s website features outdated FAQs, which can make it difficult to access clear and up-to-date information about how the product works.
How does Self Visa credit card customer service work?
The Self Visa® Card is committed to delivering accessible and responsive customer support that caters to the diverse needs of its users. Whether you’re a first-time cardholder or someone experienced with credit products, the company provides multiple communication channels to ensure you receive the assistance you need—quickly and efficiently.
For those who prefer personalized service over the phone, Self offers live support from Monday through Friday, between 7:00 a.m. and 6:00 p.m. Central Time (CST). You can speak directly with a knowledgeable representative by calling 1-877-883-0999, who can assist with everything from account inquiries to billing concerns.
If you’re someone who values convenience and speed, the online chat option might be ideal. This channel is available seven days a week, operating from 7:00 a.m. to midnight (CST). Whether you’re seeking help with a specific issue or just need quick guidance, the chat service offers a user-friendly way to get support without waiting on hold.
Conclusion (Self Visa Secured Card)
The Self Visa® Secured Card stands out as a highly effective option for individuals looking to build or rebuild their credit. With a straightforward application process that doesn’t require a credit check and an affordable security deposit, this card is well-suited for beginners and those seeking a second chance at financial stability. One of its strongest features is that it reports to all three major credit bureaus, which can significantly help improve your credit score over time.
While the card does come with certain drawbacks, such as an annual fee starting in the second year, a relatively high APR, and the lack of cashback or rewards, it still fulfills its core purpose exceptionally well. It provides a controlled, secure way to establish or enhance your credit profile, making it a practical stepping stone toward long-term financial health.
That said, it’s always a good idea to explore other beginner-friendly credit card options before making a final decision. Each card offers different features and benefits that may better suit your unique financial goals. However, if you feel the Self Secured Card aligns with your needs, don’t hesitate, click the button below to apply and take your first step toward a stronger financial future.
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