PNC Secured Visa Credit Card is a secured type of credit card in the list of PNC credit cards. This PNC bank credit card doesn’t really have much to offer to its customers. In this article, we will go through the basics of this card to help you determine whether to go ahead with this PNC Secured credit card application
PNC Secured Visa Credit Card
PNC Secured Visa Credit Card Review In Depth
Quick Highlights
Card type: Secured Credit Card
Credit Score Requirements: Can be applied with Bad Credit Score
PNC Rewards Rate: This card does not have any rewards program yet.
Welcome Offer: There is no sign-up bonus on this PNC Secured Credit Card.
Foreign Transaction Fee: 3%
PNC credit card Customer Service Number: t 1-855-PNC-RWDS (1-855-762-7937)
PNC Secured Credit Card Pros and Cons
Pros
Cons
How to apply for PNC Secured Credit Card?
You should note that online application is not allowed for this credit card and as such you must open an account at your nearest PNC Bank Branch.
Apply by visiting a branch closest to you. To locate the branch visit the PNC Bank official website.
Provide a security deposit of $300-$2,500 while applying and if your application gets approved this ecurity deposit will be used to establish your new credit limit.
Benefits
The main advantage of this credit card is that you can apply for this card even if you have a bad credit score.
The card is meant for increasing and strengthening your credit score so that you can apply for better cards in coming future. If you use this card responsibly you will definitely improve your credit score and your spending habits.
PNC Bank Secured Credit Card Security Features
- Zero Liability Fraud Protection: If you report your card or card number is lost, you won’t be held responsible for any unauthorised transactions.
- PNC Easy Lock: lock your card in real-time if misplaced or lost.
- Real-time Alerts: Receive live email or text message alerts when your card is used online.
Why you might want to consider an alternate Credit Card?
- No Intro APR offers: There are no intro offers on purchases as well as balance transfers.
- No sign-up bonus offers
- A security deposit of $300-$2,500 while applying
- No rewards program
- 3% foreign transaction fee: This makes it not a suitable choice for travelling outside the U.S.
- PNC has a limited number of branches across the country. Most of the branches are located in highly populated cities while other locations only provide partner ATMs.
Comparison with other Similar Credit Cards
Discover it® Secured Credit Card
- Annual Fee: $0 intro annual fee for the first year, then $95
- Security Deposit: $200 minimum refundable
- Rewards: 1% – 2% Cashback
- Regular APR: 27.49% Standard Variable Purchase
- Credit Score: No credit score is required to apply
Capital One Platinum Secured Credit Card
- Annual Fee: $0
- Security Deposit: $200 minimum refundable
- Rewards: unlimited 2%
- Regular APR: 29.74% variable APR
- Credit Score: Can apply with a Bad credit score
If you have a good/excellent credit score you can check out other Credit Cards from PNC Bank like PNC points® Visa® Credit Card, PNC Cash Rewards Visa Credit Card and PNC Core Visa Credit Card.
Is PNC Secured Credit Card worth applying for?
If you are a PNC banking customer and looking for a card that you can apply with a bad credit score then you might look into this credit card. However, it’s worth knowing that this card does not have any rewards program making it less attractive compared to other company credit cards.
FAQs
You can apply for this card with a Bad Credit Score.
No, you cannot do that.
Yes
