Self Visa Card review

The annual fee is $25 and the APR is 27.49%. Balances you revolve are charged at that rate, which sits above the median APR across the site's card listings, 20.97%. The deposit route, not the annual fee, is what keeps the cost of holding it low.

No hard credit inquiry is required, and No hard credit inquiry required, $100 minimum refundable security deposit and Payment history reported to all three credit bureaus lists that among the card's features. It matters most to applicants with poor credit, since a hard search would add little to an already thin file. The card is secured, so approval rests on the deposit rather than a score.

The deposit is refundable, and No hard credit inquiry required, $100 minimum refundable security deposit and Payment history reported to all three credit bureaus lists the minimum amount that has to go in. Because the card is secured, that money is what backs your limit rather than a score check, so it is tied up while the account is open and not spent. Weigh it against the $25 annual fee before applying.

Payment history is reported to the credit bureaus, and No hard credit inquiry required, $100 minimum refundable security deposit and Payment history reported to all three credit bureaus makes that the headline feature. For a file in the poor range, consistent small balances paid in full are what show up. The 27.49% APR makes a carried balance expensive, so the card is a history tool rather than a cheap way to hold debt.

The card is aimed at poor credit, and 45.7% of the cards on the site target the same group. A secured card decides on the deposit, not the score, so the practical requirement is the sum you can lock away rather than a long record of accounts.

Support runs on phone, chat and help centre, covering phone, chat and a help centre. That matters on a card where payment history is reported, because a missed payment shows up on the file. A phone call is the quickest listed route for a query tied to a specific balance.

The card is issued by Self Financial, Inc. in the US, and the lending side is registered with NMLS as Self Credit LLC, 2167345. State lending permissions follow, including 167469 in Texas and CI.550092.000 in Ohio, so the credit line is issued under licences rather than informally.