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Plains Commerce Bank »
Credit Card Reviews » Access Visa Card |
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In-Depth Credit Card Review: |
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Would you like to get access to credit? Access Visa opens up possibilities for people with bad or no history. Bad history is no obstacle to your Access Visa Card application!
Let’s face it! For most lenders, your payment history is of great importance. They spare no time and effort to check your credit report scrupulously and as a rule, customers with poor history get nothing but rejection.
It's high time to say "no" to credit card denials! With Access Visa, you’ll get an instant decision. So, you don't have to wait for ages to get the response.
A high score is a wonder-working thing in the world of credit. A three-digit number speaks louder than word about your trustworthiness. The higher your score is, the better plastic money deals you will make.
Establishing a strong history is not an easy task, and your Access Visa is here to help you build a solid score with a reliable lender. While carrying this plastic, you may be sure that your lender will report to all major credit bureaus. This feature is really precious for reporting agencies to determine your score. So, your time and efforts won't be in vain.
Like any bad credit card, Access Visa is a fee-based product. The peculiarity of this plastic is that it has the same APR for purchases and cash advances. Normally, lenders set a high APR on cash advances. With Access Visa, you’ll get access to cold cash whenever you need it.
Lenders appreciate diligent clients. Take your chance to make purchases without any charges, as Access Visa implies a grace period of 25 days. You can benefit from this option in case your balance is paid in full by the due date.
Oftentimes, we face serious problems with the quality of goods and services purchased with a plastic. There's no need to bother your head with this. Visa Access Card provides you with purchase protection.
Access Visa carries the logo of the major payment system. It means that you will face no difficulties with card acceptance.
On top of that, you can always count on fraud protection against unauthorized users and other fraudulent activities. Outstanding customer service is fundamental to your financial well-being. Don't lose the opportunity to build your history with the reliable lender.
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| (Review Updated: January 30, 2008) |
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n/a Intro APR (* see notes for details)
19.92% Regular Fixed APR for Purchases
19.92% Regular Fixed APR for Cash Advances |
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$48 Annual Fee
25 days Grace Period |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: |
| Late Payment Fee: $29 |
| Over-The-Limit Fee: $25 |
| Cash Advance Fee: $5 |
| Balance Transfer Fee: n/a |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: None |
| Additional Nones: None |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Access Visa Card: |
Instant On-Line Decision.
Bad Credit? No Credit? Give Access A Try!
Outstandig Customer Service!
Free 24-hour Online Account Access.
Reports to All Major Credit Bureaus.
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| Important Notes for Access Visa Card: |
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Access Visa Card was updated on January 30, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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