pp电子官网

pp电子官网 it庐 Secured credit card

Annual Fee:听狈辞苍别.听x%听standard variable purchase APR. Intro Balance Transfer APR is听x%听for听x听months from date of first transfer, for transfers under this offer that post to your account by听x听then the standard purchase APR applies. Cash APR:听x%听variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either听$10听or听x%听of the amount of each cash advance, whichever is greater. Balance transfer fee:听x%听Intro fee on balances transferred by听x听and up to听x%听fee for future balance transfers will apply. Rates as of听.听We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

鈥犫燳ou earn a full 2% Cashback Bonus庐 on your first $1000 in combined purchases at Gas Stations (stand-alone) and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. EV Charging Station purchases made at public electric vehicle charging stations are also included. Gas Stations and EV Charging Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Certain parking garages where public electric vehicle charging is offered or included may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, caterers, and restaurant delivery services. Restaurants located inside of or affiliated with another business, such as hotels or retail stores and establishments classified as a bakery, may not qualify. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. pp电子官网 Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at pp电子官网.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  1. Minimum Security Deposit:听If approved, you must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit. pp电子官网 will determine your maximum credit limit by your income and ability to pay.

  2. Build credit with responsible use (Secured): pp电子官网 reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may听adversely impact your ability to build/rebuild credit.

  3. Getting your deposit back:听Monthly reviews start your seventh month as a customer. We will refund your security deposit if you have made all payments on time for the last six consecutive billing cycles on all your pp电子官网 accounts including any loans, and you've remained in 鈥済ood status鈥 on all credit accounts you are responsible for whether they are pp电子官网 accounts or not. 鈥淕ood status鈥 means: (1) your account and credit report show no delinquencies, charge-offs, repossessions, or bankruptcies for the six months prior to our review; and (2) your pp电子官网 Secured Card is not in a prohibited status at the time of our review, including, but not limited to: closed, revoked, suspended, subject to tax levy, garnishment, deceased, lost/stolen, or fraud. Monthly reviews may be delayed if you change your payment due date. We typically process your refund in 4-6 business days. If you close your account and pay in full, we鈥檒l return your deposit within two billing cycles plus ten days.

  4. Cashback Match:听We鈥檒l match all the cash back you鈥檝e earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You earn cash back only when they鈥檙e processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; or rewards transfers from pp电子官网 checking or other deposit accounts. Your account must be open and in good standing to receive your Cashback Match. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  5. Based on 2023 pp电子官网 it Secured credit card application data, applicants without a credit score may qualify. You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation.

  6. pp电子官网庐 Identity Alerts (Alerts) are offered by pp电子官网 at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian庐 credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. pp电子官网 is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  7. Freeze it庐:听When you freeze your account, pp电子官网 will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, pp电子官网 protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  8. FICO庐 Credit Score Terms: Your FICO庐 Credit Score, key factors and other credit information are based on data from TransUnion庐 and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See pp电子官网.com/FICO about the availability of your score. Your score, key factors and other credit information are available on pp电子官网.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. pp电子官网 and other lenders may use different inputs, such as FICO庐 Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO庐 Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.

  9. Acceptance: According to the Feb 2024 issue of the Nilson Report.

  10. $0 Fraud Liability:听An 鈥渦nauthorized purchase鈥 is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at听pp电子官网.com/fraudFAQ.

  11. About product reviews:听All customer reviews used are authentic. Changes to the quote in brackets are to add context to the quote. We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

  12. Online Privacy Protection:听Online Privacy Protection is offered by pp电子官网 at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

  13. 100% U.S. Based Customer Service:听You can reach a live agent any time by calling 1-800-pp电子官网 (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.

  14. Based on pp电子官网 it Secured Cardholders with a starting FICO Credit Score of less than 600 who made on-time payments for six consecutive months after account opening and maintained good status on all their credit accounts. FICO Credit Score is based on data from TransUnion and may be different from other credit scores provided by different bureaus. Results may vary and activity with other credit accounts may impact results. A credit score increase is not guaranteed. Late payments may negatively impact your credit score.

  15. Based on pp电子官网 it Secured Card cardmembers since 2016 who saw an increase in their credit score at or after 7th month since account opening.

    pp电子官网 reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.

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