Secured Visa Credit Card
Features:
- Annual fee of $351
- Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval
- You may qualify for a credit limit increase without additional deposits within 7 months when using your card and making regular on-time bill payments, subject to credit approval
- In as little as 11 months, you may qualify for an unsecured card and have your deposit automatically refunded to you when you maintain a good payment history with us, subject to credit approval
- Automatic reporting to the 3 major credit bureaus to help establish credit
- U.S. citizenship is not required, but you must have a valid SSN or ITIN and a valid U.S. address
Services:
- View and pay credit card bills online at www.firstbankcard.com/asbhawaii
- View FICO® Score each month online - for FREE! - Knowing your FICO® Credit Score can help you maintain and better understand your financial health.
- Apple Pay
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
Can International Applicants Qualify for a Secured Visa Credit Card?
Just moved here from Japan? Recently landed from the Philippines? Visiting from China or South Korea? Transplant from Australia?
We offer secured visa credit cards that are well suited for people who have just moved to Hawaii and have not yet established credit in the United States. As long as you have a valid SSN or ITIN, as well as a valid US address, you can apply for our Secured Visa Credit Card.
Common Questions:
Credit cards are approved based on your creditworthiness, or the amount of risk your credit lender sees in you to make payments. Younger Hawaii residents, like students or immigrants, may not have an established credit history. No credit history usually makes it difficult to get approved for credit cards, since your lender doesn’t know if you’re responsible enough to make your payments. Likewise, if you have bad credit, it can be hard to get approved for credit.
A secured credit card gives people with little to no credit history or poor credit the chance to increase their odds for approval. If approved for a secured card, you’ll make an initial security deposit which is used by your credit card issuer to cover your balance if you suddenly can’t meet your payment.
Since secured card issuers report your payment history to the major credit bureaus, you can build your credit by using your credit card. You’ll add positive history to your credit score each time you make your credit card payment on time.
Have a recent financial hardship? The Secured Visa Credit Card can help people with poor credit improve their credit score. If approved for a secured card, you’ll make an initial security deposit which is used by your credit card issuer to cover your balance if you suddenly can’t meet your payment.
Since secured card issuers report your payment history to the major credit bureaus, you can build your credit by using your credit card. You’ll add positive history to your credit score each time you make your credit card payment on time.
For additional information on annual fees, please see the Summary of Credit Terms link for the product listed above.
It is a credit card that requires a security deposit which is held as collateral for your account. Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval.
A cardholder's credit limit is dependent on how the cardholder meets our credit criteria. If a cardholder has questions with the assigned credit limit they should contact Consumer Card Customer Care at (888) 295-5540 or Commercial Card Cardholder Support at (800) 819-4249.
If you lose your card, contact us immediately at (800) 444-6938. We'll block your account and issue you a replacement card. In an emergency situation, such as when you're traveling, we'll send you a temporary replacement card. If you have any further questions, please contact our Credit Card Customer Service at (888) 295-5540.
- For additional information about Annual Percentage Rates (APRs), fees and other costs, see Summary of Credit Terms.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. VISA is a registered trademark of Visa International Service Association and used under license.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Please note that new cardmembers will generally see their FICO® Bankcard Score 9 (the version of FICO® Credit Score we use to manage the account) within 45 days of account opening.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.