Looking to strengthen your financial profile without jumping through hoops? The Self Visa Secured Card was designed with flexibility and accessibility in mind, making it a strong option for individuals who are focused on taking real control of their credit future.
What makes this card stand out isn’t just the opportunity to build credit—it’s the smart and simple approach to doing so. With unique features that quietly work in the background, users can benefit from more than just a card in their wallet—they gain a practical path to long-term credit improvement.
Benefits You Can Count On – Self Visa Secured Card
- No Credit Check to Get Started: You won’t need to worry about your current credit standing when applying. Self makes it easier for those with limited or challenged credit by skipping the hard credit inquiry. This means you can get started without the stress of a ding to your credit score.
- Credit Building with Monthly Reporting: Self reports to all three major credit bureaus: Equifax, Experian, and TransUnion. This consistent reporting helps ensure your responsible card use translates directly into a positive credit history that grows over time.
- Deposit Built from Your Savings Progress: There’s no need for an upfront deposit. Your Credit Builder Account sets the stage, allowing your security deposit to come from the savings you’ve already made—giving you control over your financial journey.
- Track Your Credit Progress in Real-Time: With an integrated dashboard, you can monitor how your actions are influencing your credit over time. This level of transparency keeps you in the loop and supports smarter spending habits along the way.
- Nationwide Acceptance Where Visa Is Taken: The Self Visa Secured Card is widely accepted across the United States, allowing you to shop, dine, and book services anywhere Visa is recognized—all while building your credit profile in the background.
- No Hard Pull When Transitioning to the Card: Once you qualify through your Credit Builder Account, you can move forward to the secured card without undergoing another credit check. This ensures a seamless transition without unnecessary credit scrutiny.
- Security and Protection Backed by Visa: Enjoy the confidence of Visa-backed security including fraud protection and zero liability coverage. This helps safeguard your spending and keeps your finances secure in case of unauthorized transactions.
- Boost Credit Through Responsible Use: On-time payments and responsible usage can significantly enhance your credit standing over time. The Self Visa gives you the tools to create consistent habits that reflect positively on your financial reputation.
- Mobile Access to Manage Your Account Easily: Manage your Self account right from your smartphone. View your balance, make payments, and track your progress without needing to log into a desktop—all in a secure, easy-to-use mobile app.
Qualification Requirements
- Active Self Credit Builder Account: You must have an active Self Credit Builder Account in good standing to be eligible for the secured card.
- Minimum Savings Balance: A savings balance of at least $100 in your Credit Builder Account is required to fund your security deposit.
- Three On-Time Monthly Payments: You need to complete three consecutive on-time payments to qualify for the secured card offer.
- Account in Good Standing: Your account must be current, with no missed or overdue payments, to stay eligible for the card.
- No Returned Payments: All payments must be successfully processed. Returned or failed transactions may affect eligibility.
- No Active Bankruptcy: Applicants should not have a bankruptcy currently on file, as this could impact approval.
How to Apply for the Secured Self Visa Card
- Open a Self Credit Builder Account: Start by setting up a Credit Builder Account through Self. This is the foundation for your secured card and helps build your deposit over time.
- Make On-Time Monthly Payments: Stay consistent by making at least three on-time payments to build a solid track record. This is a crucial step toward eligibility for the card.
- Reach the $100 Deposit Threshold: Once you’ve accumulated $100 in savings through your account, you meet the minimum requirement for the secured card deposit.
- Maintain a Positive Account Status: Ensure that your Credit Builder Account remains in good standing with no missed or returned payments to keep your eligibility intact.
- Receive the Secured Card Invitation: When you qualify, you’ll receive a prompt to accept the Self Visa Secured Card offer. No need to submit a separate application—just accept and activate.
- Manage the Card via Mobile or Web App: Once your card is active, you can handle payments, monitor spending, and view your credit progress through Self’s easy-to-use platform.
Frequently Asked Questions
Is there a credit check to get the card?
No, there’s no hard credit pull to qualify for the Self Visa Secured Card, making it ideal for those rebuilding or new to credit.
Can I increase my credit limit?
Your credit limit is based on the amount you’ve saved in your Credit Builder Account. You may be able to increase your deposit over time for a higher limit.
What happens if I close my account?
If your account is closed in good standing, your deposit will be returned. However, late or missed payments may affect your refund eligibility.
Does this card help improve my credit?
Yes. Self reports your activity to all three major credit bureaus, helping you build a positive credit history when used responsibly.
