Are you searching for a credit card that doesn’t need a credit history or a credit score for account opening?
Well, that situation is conceivable with a Bank of the West Secured Credit Card, since you can ask for a particular credit limit given that you offer a reasonable deposit.
You can now purpose to set up, strengthen, and rebuild your credit. The Bank of the West Secured Credit Card provides what’s needed to enhance your credit. Read on to learn more about the perks of this card and how you can apply for your own today.
Benefits and Features of a Bank of the West Secured Credit Card
You can lock/unlock cards with only a touch from your phone or right from your desktop for extra security. You can ensure that you prevent an outsider from using the card temporarily and making fraudulent charges.
With the Bank of the West Secured Credit Card, you can also set up local and global travel notifications from your work area or desktop to verify your card is accessible from any place you go. With the 24/7 online access feature, you’ll have control over what’s going on with your account.
What about transferring credit card balances? The streamlined transfer application is easy and efficient to follow. What’s more is that you get insights from beginning to end to enable control of your accounts.
Are you seeking to increase your credit limit? If you are searching to add to your limit, request with only a touch or click for instant response. More so, clients enjoy online dispute requests; users can begin the exchange process online for the moments when a dealer can’t handle a transaction. It’s an easy and straightforward task that you tackle right from your phone.
Eligibility and How to Apply for a Bank of the West Secured Credit Card
Eligibility requirements for this credit card include: being 18 years old and above, being a permanent US resident, having an income stream, and being employed.
For the card application, you can visit your nearest branch or apply online by visiting the Bank of the West website. You will need to provide a deposit of $300-$12,000 to secure your credit limit, your Social Security number, your gross income (if applicable), your employer name (if applicable), and your current rent or mortgage amount.
If successful in your application, you will be assigned a credit limit based on several factors, including your deposit amount and creditworthiness. Whenever you require a greater cutoff, you can request help from a bank delegate and get some information about the necessary store sum required.
Bank of the West Secured Credit Card Fees & Charges
- Annual Fee – $25
- Variable APR – 23.34%
- Balance Transfer Rate – 23.24%
- Cash Advance Fee – $10 or 4%, whichever is greater
- Late Payment Fee: Up to $38 (depending on your state)
- Foreign Transaction Fee – 3% of the U.S. Dollar amount of each such transaction
Bank of the West’s Address & Contact Details
Address: 180 Montgomery Street, San Francisco, CA 94104.
If you want to get in touch with Bank of the West, call 1-800-488-2265 (TTY 1-800-659-5495).
The Bank of the West Secured Credit Card is an extraordinary cardholder decision if you are after a higher credit limit, which you may achieve based on your deposit and circumstances. To begin reaping the benefits of this credit card, visit a branch close to you, or head to the Bank of the West website today.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.