2,971 reviews
I recently got approved for this card and I was actually a little excited because I only had to pay the $89 processing fee in the available credit was for 300 I made my first payment yesterday which was March 17 but they’re telling me that the payment will not post until March 26th.Lol and the reason being just in case it gets declined for insufficient funds WHAT????? It was taken off a debit card.That’s immediately available it is not cool.I’m so not happy with my decision to accept this card
Unfortunately, I have 2 credit cards with Applied Bank. I signed up for the credit protection program. The pandemic hit and I lost my job. When I reached out for help regarding the credit protection program I was told that I hadn't been unemployed for more than 30 days, so I was denied. When trying to make payments my account could never be located. I made several attempts to make payment arrangements, to only be placed on long hold times and tossed around between departments. Now the cards are reporting negatively on my credit. Lesson learned when tried to build credit, go with a reputable company. I did tons of research, only to end being off worse than I was. My recommendation for building credit would be Chime Bank and Credit One Bank. Credit One Bank allowed me to use the credit protection program with no problem. They were very helpful during this time.
The Applied Bank customer service phone number is (800) 947-1090. The bank has the same number for technical support.
If you want to report a lost or a stolen card, the number to call is (800) 556-5678.
If you want to make a payment by phone, you should call (877) 882-2213.
Yes. The Applied Bank Secured Credit Card reports to all 3 credit bureaus: Equifax, Experian and TransUnion. Applied Bank relays account information to the credit bureaus once a month on the statement closing date. Info such as timely payments and low credit utilization will help boost a cardholder's credit score.
You can cancel your Applied Bank credit card anytime by sending them a written notice via fax to 1-302-456-1013 or via mail to:
Applied Bank
PO Box 17125
Wilmington, DE 19850-7125
Cancelling a credit card is not always a good idea. If it doesn't have high annual and monthly fees, it's best left open and unused. That's because cancelling can have a negative effect on your credit score.
Your Applied Bank Visa credit limit will be equal to your security deposit. The minimum initial deposit is $200 and the maximum is $1,000. You can increase your credit limit up to $5,000 by adding additional deposits after 6 months of using the card.
The only credit card Applied Bank currently offers is designed for people with bad credit, and it required a security deposit which becomes the card's credit limit. It's called the Applied Bank Secured Visa.
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