Many people have been in a moment where they need to reevaluate their finances and draw a plan to reestablish credit. And to do this, they might need to apply for a credit card that accepts people even with a not-so-good credit score. The PCB Secured Credit Card is here to help with that path.

Usually called PCB Secured, it is a credit card by Plains Commerce Bank, and it can be a good option also for those who are starting in the credit card world and have no previous score.

Plus, this credit card can give you a credit limit increase after you make all of your monthly payments on time. So, if you want to know more details about this card’s features, keep reading our full review!

As this is a secured credit card, you will need to make a collateral deposit after applying. And this deposit will be equal to your credit limit. Also, you can choose to deposit between $200 and $1,000.

But after your first year of account opening, you can request a credit limit increase ($5,000 maximum). Also, you might have to make additional deposits to get your credit increased, and you have to make all of your payments to qualify.

Plus, this credit card sends all of your monthly payment reports to all three major credit bureaus. And this can help you establish or reestablish credit, once you make all of your payments on time.

Even though the annual fee is $39, it will get deducted from your initial credit limit. For example, if you made a deposit of $200 and have a credit limit of $200, your initial credit will be $161.

You don’t need a high score to qualify. Your credit score can range from poor to average. However, there are some other requirements and restrictions to be eligible for this credit card.

That is, just having a poor to average score might not be enough to get approved.

There are some restrictions to this card’s application process. Also, it can be a bit complicated to qualify for this secured card.

So, if you want to know the restrictions and requirements to apply for this Plains Commerce Bank card, read our post below with information about how to apply.