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Know About

Secured Cards

Secured cards are a type of credit card that require a security deposit as collateral. Secured cards are designed for individuals with limited or poor credit history, providing them with an opportunity to build or rebuild their credit. To open a secured card, the cardholder must provide a refundable security deposit, which usually determines their credit limit.

The security deposit acts as a safeguard for the card issuer, reducing the risk associated with lending to individuals with less established credit histories. It also allows cardholders to demonstrate responsible credit behavior and improve their creditworthiness over time.

  • Eligibility to Apply

    To apply for a Credit Card

    • You must typically be at least 18 years old to apply for a credit card.
    • A good credit history, including a positive payment history and low credit utilization, may increase your chances of approval.
    • A higher credit score generally improves your chances of getting approved for a credit card with favorable terms and conditions.
    • You will typically need to provide a valid government-issued identification document, such as a passport or driver's license.