FGB Secured Credit Card
Secure your future with a FGB Visa® Secured Credit Card. This card looks and works like any other credit card; it may also help establish and strengthen your credit. You get to set your own credit limit (minimum of $500) with a refundable security deposit while all account activity is reported to the major credit bureaus on a monthly basis.
Credit Limit: Minimum $500 | Maximum $10,000
Manage your card, pay your bill, check your statement:
Summary of Terms
| Interest Rates and Interest Charges |
|
|---|---|
| Annual Percentage Rate (APR) for Purchases | FGB Visa® Secured Credit Card 21.99% Fixed. |
| APR for Balance Transfers | Not available on FGB Visa® Secured Credit Card |
| APR for Cash Advances | 21.99% Fixed. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date of each month. We will begin charging interest on cash advances on the posting date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Fees |
|
|---|---|
| Annual Fee | $12 |
Transaction Fees
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Penalty fees
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| Other Fees | |
| Card Replacement | $5 |
| Emergency Card (FedEx) | $25 |
When you use the FGB Visa® Secured Credit Card for purchases of goods or services, the following benefits are yours!
Travel Accident Insurance
You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel accident insurance every time you travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at no extra cost.
(See Travel Accident Insurance Brochure for more information.)
To receive a First Guaranty Bank Secured Credit Card account, we will open a Collateral Account on your behalf which DOES NOT PAY INTEREST. You may not make electronic transfers to or from the Collateral Account. The Collateral Account is maintained by First Guaranty Bank. The owners of the Collateral Account are identical to the Cardholders on the Secured Credit Card account. Your Collateral Account will be opened when your security deposit is received. You agree to be bound by the terms and conditions of the security agreement.
You will receive a credit card agreement with your card(s). The credit card agreement becomes effective, and you agree to its terms by either using your Secured Card account or by not closing your secured card account.
Information contained in this First Guaranty Bank Disclosure is accurate as of 11/1/2024 and is subject to change thereafter. To obtain more recent information, please call us at 1 (888) 375-3093.