What people are saying about the Self Visa® Credit Card
”This app works! I'm building my credit & saving at the same time. Not to mention I just got the credit card, i'm so excited. 63 point boost and it's only been 4 months.”
”I absolutely love self! I have not been able to get approved for any type of credit builders/cards/secured cards, and then I finally found self! Thanks to them, after I made 3 on time payments, I was able to get approved for a secured visa credit card. On top of all that, before I made three on time payments to get approved for my card, I got my score up from a 0 into the 600’s in a matter of months. Thank you so much self!”
”This app is truly amazing. I had started to build credit by opening my first secure credit card & getting a self account.. both of those things have helped my gain 80 points in 3 month - 4 months. In another few months I’ll should be at 700+!”
Frequently asked questions
Is there a hard inquiry to get the Self Visa Credit Card?
No, there is no hard credit check for this secured credit card.
How much will my credit improve by using Self’s secured credit card?
The Self credit card could help you improve your credit, but it depends on how you use it and what else is happening in your unique credit history. Results vary. In general, though, the Self secured credit card, like any credit card, affects 3 major parts of your credit score: the amounts you owe, the average age of your accounts and your payment history (source: ®).
Does Self Financial offer guaranteed approval for its secured credit card?
Well, no, we can’t guarantee you will become eligible for the card. But once you meet the eligibility requirements, the choice is yours whether to open the Self Visa Credit Card account.
Can I be denied for Self’s secured credit card?
No, you can’t be rejected or turned down for the card because there isn’t an application process like other credit cards. Instead, you must meet the eligibility criteria, and once you meet the criteria, you choose if you want to open the card or not. (Note: it is possible to become ineligible if you no longer meet the minimum eligibility requirements.)
How do I apply for the Self Visa Credit Card?
First, you must have an open and active Self Credit Builder Account. Then, you have to meet the eligibility criteria mentioned above.
What is the credit limit for the Self secured card?
The minimum credit limit is $100.
Can I increase my credit limit once I have the Self secured credit card?
Yes, you will have the opportunity to increase your credit limit as you make payments on your Credit Builder Account and keep the account in good standing.
Can I get Self’s secured credit card if I have bad credit or poor credit?
Yes. The whole mission of Self Financial is to help people build credit and save money. This secured credit card was designed for people whose credit is bad or poor (as defined by FICO) and is meant to be another tool for you to use to work on improving your credit.
Can I use the Self secured credit card to establish my credit history if I have no credit?
Yes. In order to get access to the credit card, you need to have an active Credit Builder Account in good standing (among other eligibility requirements). It’s OK if you have no credit when you open the Credit Builder Account (it’s meant to help establish your credit history). By the time you become eligible for the Self Visa Credit Card, you will have already established some credit history simply by opening and making payments on your Self Credit Builder Account. The credit card is meant to be another tool you can use to build your credit history.
Is the Self Visa® Credit Card a prepaid card?
No. It might seem like a prepaid card because it has a security deposit to secure your credit line. Prepaid cards are actually very different. See our blog post about whether prepaid cards build credit to learn more.
What is the minimum deposit for the Self secured credit card?
The minimum security deposit is $100.
Does the Self secured credit card report to the credit bureaus?
Yes, the Self Visa Credit Card reports to the three major credit bureaus in the U.S.
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