UNITY Visa Inquiries

Question: What is a secured credit card?

Answer: A secured credit card looks and acts like any other credit card. There is no difference in how a secured card is treated compared to any other credit card. It’s simply a credit card that requires a cash collateral deposit, which sets your credit limit. For example, if you qualify and place $500 into the account, you can charge up to $500.


Question: Why is UNITY Visa more than just a secured card?

Answer: With the UNITY Visa Card, you can obtain a secured credit card and take advantage of our expertise to help you rebuild your credit. And unlike many banks, we offer the How to Rebuild Credit Program. Check here for more information.


Question: What are the interest rate and fees?

Answer: The UNITY Visa® Card annual percentage rate (APR) is only 17.99%, which is lower than most banks. And our rate is fixed, which is why we are one of the best secured Visa cards in America! Many banks offer variable rate cards so your rate will change as market rates change. With the UNITY Visa Card, your rate is fixed and there is no application fee, over the limit fee or penalty interest rate. Please check here for more information on rates, fees and terms.


Question: What is the minimum or maximum credit limit?

Answer: The minimum credit limit is $250.00 and the maximum credit limit is $10,000.00 based on your ability to pay and your security deposit.


Question: I have bad credit. Will I qualify?

Answer: We encourage you to apply! Secured credit cards, like the UNITY Visa Card, are designed to help people with less than perfect credit, or even bad credit. With a secured credit card, you can learn how to rebuild credit. Secured credit cards are also good for people who have not established credit yet. Secured credit cards can help people with high rate credit cards lower their rate.


Question: Can I use a secured credit card anywhere?

Answer: Yes, the UNITY Visa Card can be used anywhere Visa credit cards are accepted, unlike prepaid debit cards that are not always accepted or may require “excessive authorization