Credit Cards

How to apply for the Plains Commerce Bank Secured Visa card?

If you need to build or rebuild credit, the Plains Commerce Bank Secured Visa card can be a good credit card option to help you. Read more to know how to apply!

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by Victória Lourenço

10/21/2021 | Updated on 10/25/2021

Plains Commerce Bank Secured Visa card application

Find out how to apply for the Plains Commerce Bank Secured Visa card! Source: PCB
Find out how to apply for the Plains Commerce Bank Secured Visa card! Source: PCB

The Plains Commerce Bank Secured Visa card accepts those with a poor or an average credit score. Also, after applying for this card, you will need to pay a collateral deposit of at least $200, and you can pay a deposit of up to $5,000. And your credit limit will be the same amount as your initial deposit. However, the annual fee of $39 will get deducted from your credit limit. So, you will need to consider this deduction when choosing the amount of your collateral deposit.

Moreover, you can build or rebuild your credit history with this card because it sends your monthly payment reports to all three major credit bureaus. But you need to make all your payments on time to get a chance to rebuild your credit. Also, you need to make your payments on time to have a chance of increasing your credit limit after your first year of use. So, if you are interested in this card, keep reading to know how the application process works!

card

Credit Card

Plains Commerce Secured

national visa

Monthly reports to major credit bureaus, Chance to increase credit after first year

You will be redirected to another website

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Apply online

Learn how to apply online for this PCB credit card. Source: Unsplash
Learn how to apply online for this PCB credit card. Source: Unsplash

You can start your application process online through PCB’s website. You will need to fill in the application form with personal information, such as your home address and phone number. Also, a very important requirement to apply is that you need to have a PCB checking account to complete your card application process. Also, you will probably need to have an income of at least $5,000 a year to qualify for this card.

Apply using the app

Find out if you can apply for this PCB card using a mobile app. Source: Unsplash
Find out if you can apply for this PCB card using a mobile app. Source: Unsplash

The most secure and official way to apply for this card is through PCB’s official website, as described on the topic above. Also, you can manage your account through the Account Center page available on PCB’s website.

Moreover, before completing the application process, you can read the credit card’s terms and conditions. This is an important step for you to analyze if this card is what you really want and if you can pay for the fees charged.

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Plains Commerce Bank Secured Visa card vs. Discover it Cashback credit card

If you have a higher credit score and are looking for a credit card with rewards and more benefits, we can give information about another card option. Also, this other card option has no annual fee and great cashback rewards. So, read below our comparison between the PCB Secured Visa card and the Discover it Cashback credit card!

Plains Commerce Bank Secured Visa cardDiscover it Cashback credit card
Credit ScoreFrom a poor to an average score.Good to excellent.
Annual Fee*$39.
*Terms apply
$0.
Regular APRVariable APR of 18.90%.From 11.99% to 22.99% variable APR.
Welcome bonus*N/A.At the end of your first year, Discover will match all cash back you have earned.

*Terms apply
Rewards*N/A.On quarterly spending categories, you’ll get 5% cashback.

1% cashback on every other purchase.

*Terms apply

How to apply for Discover it Cashback credit card?

Do you love cashback rewards? If so, the Discover it Cashback credit card can be a great fit for you! Keep reading our post about how to apply!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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