Applied Bank Credit Card

What's the difference? Is there an annual fee on the applied bank credit card? How do you know which one is which?

Thanks!

Applied Bank is just another bank among thousands.

All banks issue credit cards under their name with licensing from either Visa or Mastercard. There may or may not be a fee depending on the bank. Rates are also set by each individual bank. There is no difference in the usage of the card. No one really looks at the bank name, just the Visa or Mastercard logo.

You go with the bank that gives the best service, lowest or free cards, and the lowest rate if you carry over balances (which you shouldn't).

Some cards have deposit requirements when you have bad credit. Some cards are only cash cards that take money out of your checking account.

2007-05-16 10:47:32 by NT

bestcreditcardforcollegestuden t.com Credit cards for college students with no credit become more and more popular nowadays. You are the new ...

if so tell me how ling it took you to get approved and if you had bad credit and got approved. thnks

Beware of fee harvester credit cards.
Do a search and find out more.

2008-07-11 09:04:41 by ian h

I want a secured card because I just graduated college and just started working. I would like to start building some credit w/out paying outrageous fees.

Applied Bank sounds pretty good so far. I don't mind paying a reasonable annual fee if I don't have to pay a super high APR (you know, in case of an emergency of default or something for whatever reason).

I'm just wanting to know what I should watch out for!

Thanks!!! =)

Yes

stay FAR away from Applied Bank

try
National City
US Bank
Citibank (good choice)
Bank of America
Wells Fargo

2008-08-14 19:47:25 by rad.danette

Is it true once your credit limit goes over $1000 you will be charged a participation fee of $6? I am already being charged a $10 monthly maintaince fee.

I am a little confused about what is a participation fee and annual fee, are they the same?

My card was not subject to an annual fee but just a monthly maintaince fee, so since my credit limit is now $1200 does that means I have to pay an extra $6 a month now?

Call their customer service center and go over all this with the rep. They will be able to answer this and you'll have the information you need. Sometimes a company will charge you a "participation fee" and it really means an "annual fee", they just do it under a different name. So, if 6$ a month is what they are charging, really it sounds like they are charging the annual fee broken up into 12 months....
Call them and find out.
Also, I do suggest you get rid of the card. 10$ a month is a really high price to pay just to have their card. Close the account and start paying it off.
Good Luck!!!

2007-03-11 06:31:31 by tiannabooboo

If so, what's their credit limit increases like? I have had mines for almost a year now and I wanted to know because if it aint worth nothing im going to pay it off and close it.
dont get me wrong now i know its the worst card to have, but im trying to rebuild my credit back up

IT IS QUITE POSSIBLY THE WORST OF ALL. HOWEVER. THEY DO GIVE A STARTING LIMIT OF ABOUT $500.00 AND CHARGE ABOUT $180 TO GET IT GOING SO YOU END UP WITH ABOUT $$320 IN ACTUAL CREDIT.

THE CREDIT INCREASES ARE USUALLY ANYWHERE FROM $200 TO $400 A FEW TIMES A YEAR. BE CAREFUL BECAUSE THEY CHARGE YOU $100 TO INCREASE YOUR CREDIT AND THEY TREAT IT AS A CASH ADVANCE SO YOU PAY A PREMIUM INTEREST RATE FOR THAT SERVICE.

I WOULD STEER CLEAR OF IT IF POSSIBLE.

TRY FOR A CAPITOL ONE CARD. LOWER CREDIT LIMIT BUT HARDLY ANY FEES AND A DECENT COMPANY TO DO BUSINESS WITH.

YOU COULD ALSO DO WHAT THE GUY ABOVE TALKED ABOUT WHIT THE CD THING BUT THAT TAKES MONEY UP FRONT AND THERE IS NO GUARANTEE THAT YOU WILL GET A LOAN EVEN WITH THE MONEY FOR COLLATERAL.

I WOULD ALSO ADVISE TO JUST STEER CLEAR OF CREDIT CARDS, IT IS AN EVIL WEB TO GET TANGLED UP IN.

GOOD LUCK!

2006-05-13 18:21:22 by mememe