LOWE'S FINANCIAL

 A secured credit card can be used to raise your credit scores after bankruptcy, low credit scores, denied credit, denied a loan, and if used properly you can always keep your credit scores 687 and above.

Note: that a secured credit card is much better than a prepaid credit card when trying to raise your credit score. 

Note: no prepaid credit cards help improve your credit. The use of a prepaid credit card only help the owner of a prepaid credit card. 

Note: 750 is the individual national average and 687 is the state by state national average

Let's implement the education into using a secured credit card wisely. But, let's clear up a few myths about the secured credit card.

1. (True)You can build your credit scores with a secured credit card

2. (True) You can obtain a secured credit card without a credit check.

3.  (False) All secured credit cards report to all 3 credit agencies

4. (True) You can pay your apartment rent with a secured credit card: Ask How

Remember to have the secured credit card discussion before you acquire one of these cards. 

1. Read the privacy policy, complete terms and conditions, bank privacy policy, credit card holder agreement

2. If you don't see all 4 ask for them

3. Get a copy of them all for your records

4. Call the Toll Free Numbers while during  the purchase

5. Put only your monthly expenses on a secured credit card

6. Know the minimum and maximum amount that can be applied on the card load the card when you apply for the card

7. Know your monthly in coming and out going expenses

8. Make sure you had a secured credit card conversation 

9. Make sure you understand all cards operate differently

10. Make sure you ask question while on the phone with the card holder

11. Please make sure you filled out the excel spread sheet first before purchase of any secured credit cards.

Please click on credit card 

Secured Credit Cards                        Cards to Improve Credit

Bad Credit                                          Fair Credit

No Credit/New to Cred                      Online Approval

Apply by Phone                                  Recently Decline for Credit

• Receive your card more quickly with new expedited processing option
• No credit history or minimum credit score required for approval
• Quick and Complete online Application
• Full-Feature Platinum Master Card ® Secured Credit Card
• Nationwide program though not yet available in: NY, IA, AR, OR WI

*See Card Terms

Please click on credit card 

Secured Credit Cards                        Cards to Improve Credit

Bad Credit                                          Fair Credit

No Credit/New to Cred                      Online Approval

Apply by Phone                                  Recently Decline for Credit

• Receive your card more quickly with new expedited processing option
• No credit history or minimum credit score required for approval
• Quick and Complete online Application
• Full-Feature Platinum Master Card ® Secured Credit Card
• Good for Rental Cars, Hotels; Any where Credit Cards are accepted! 
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• Credit line secured by your fully-refundable deposit of $200 to $2,000 submitted with application
• Just pay off your balance and receive your deposit back at any time
• 24/7 online access to your account
• Nationwide program though not yet available in: NY, IA, AR, OR WI

*See Card Terms

Please click on credit card 

Secured Credit Cards                        Cards to Improve Credit

Bad Credit                                          Fair Credit

No Credit/New to Cred                      Online Approval

Apply by Phone                                  Recently Decline for Credit

• No credit history or minimum credit score required for approval
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• Credit line secured by your fully-refundable deposit of $200 to $2,000 submitted with application
• Nationwide program though not yet available in: NY, IA, AR, OR WI

*See Card Terms

Please click on credit card

• Credit lines available from $200 to $5000! Low fixed 13.99% interest rate on purchases-with no penalty rate!
• No minimum credit scores requiremesnts! We invite all credit types tp apply! No process or application fee!
• Perfect card for establishing or re-establishing credit.
• Fast; easy application process. Choose your credit line and open your Personal Savings Deposit Account to Secure your line
• See additional primor® Secured Visa Classic Card details
  

RESTRICTION:

• Over the age of 18; 19 in Alabama and Nebraska; 21 in Mississippi
• Must have valid debit card or credit card

Please click on credit card

• Credit lines available from $200 to $5000! Low fixed 9.99% interest rate on purchases-with no penalty rate!
• No minimum credit scores requiremesnts! We invite all credit types tp apply! No process or application fee!
• Perfect card for establishing or re-establishing credit.
• Fast; easy application process. Choose your credit line and open your Personal Savings Deposit Account to Secure your line
• See additional primor® Secured Visa Gold Card details
  

RESTRICTION:

• Over the age of 18; 19 in Alabama and Nebraska; 21 in Mississippi
• Must have valid debit card or credit card

Please click on credit card

• Credit lines available from $200 to $5000! Low fixed 13.99% interest rate on purchases-with no penalty rate!
• No minimum credit scores requiremesnts! We invite all credit types tp apply! No process or application fee!
• Perfect card for establishing or re-establishing credit.
• Fast; easy application process. Choose your credit line and open your Personal Savings Deposit Account to Secure your line
• See additional primor® Secured Mastercard Classic Card details
  

RESTRICTION:

• Over the age of 18; 19 in Alabama and Nebraska; 21 in Mississippi
• Must have valid debit card or credit card

Please click on credit card

• Credit lines available from $200 to $5000! Low fixed 9.99% interest rate on purchases-with no penalty rate!
• No minimum credit scores requiremesnts! We invite all credit types tp apply! No process or application fee!
• Perfect card for establishing or re-establishing credit.
• Fast; easy application process. Choose your credit line and open your Personal Savings Deposit Account to Secure your line
• See additional primor® Secured Mastercard Gold Card details
  

RESTRICTION:

• Over the age of 18; 19 in Alabama and Nebraska; 21 in Mississippi
• Must have valid debit card or credit card

Please click on credit card 

• Build your credit fast with our monthly reporting to all 3 major credit bureaus
• Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
• Security deposit needs to be submitted before the credit card can be issued.
• No credit check necessary and no checking account required; apply in less than 5 minutes.
• View our Cardholder Agreement located at the bottom of the application page for details of the card.