New Millennium Bank Secured Black Diamond Visa®/MasterCard®

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New Millennium Bank Secured Black Diamond Visa®/MasterCard®

No Credit Check
Approved Regardless of Credit History
Total Credit Limit Up to $10,000
Reports to All 3 Bureaus
Get Cash at Over 740,000 ATM`s
Emergency Cash Transfers
Auto Rental
$100,000 Travel Accident Insurance

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Intro APR		Intro Period		Regular APR		Annual Fee		Balance Transfer		Credit Needed
n/a*		n/a*		19.5%*		$59*		No*		Poor Credit OK*

Card Issuer	New Millennium Bank
Card Status	Diamond
Intro APR	No Introductory Rate Available
APR for Purchases	19.5%
Annual Fee	$59
Grace Period	None
Late Payment Fee	$20
Over the Limit Fee	$20
APR for Cash Advances	19.5%
Cash Advance Fee	2%, $1 minimum, $20 maximum
ApplicationFee	$99.95***
Participation Fee	$0
Deposit Interest	Yes
Total First Year Fees	$158.95
Notes	No credit check or turndowns. Reports to all three major credit bureaus. No employment verifications. The card is not available to residents of Puerto Rico, Guam and Canada. The maximum credit and deposit limits of $10,000 are based on the applicant`s approval for both the Visa® and the MasterCard®, otherwise the maximum credit and deposit limits are $5,000 per card. *Application fee is $99.95 for either a Visa® or MasterCard® account OR $129.95 for both a Visa® and a MasterCard® account. See website for complete terms and conditions of card usage and application disclosure.

New Millennium Bank Secured Black Diamond Visa®/MasterCard® - Card Reveiw

The New Millennium Bank Secured Black Diamond Visa®/MasterCard® is ideal for those with limited or poor credit who may have difficulty in obtaining a standard unsecured credit card. Unlike most secured credit cards, this card offers benefits such as auto rental insurance, up to $100,000 in travel accident insurance, an extended warranty for purchases, and a free companion air ticket, which is awarded to you after you have been approved for the card. These benefits do come with an annual fee of $59, which is slightly above average for a secured card, as well as a one-time processing fee of $99.95. The APR that is applied to purchases is high for a secured card, but this card does apply interest to the deposit amount required to secure the account, which is a nice benefit. It is important to note that there is no grace period for purchases, which means that interest will be applied immediately to any charges made with the card. However, if you are having difficulty in obtaining an unsecured card, this card does have a no credit check and no turn-down policy.

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Review Date: 12/1/2008

* See the online credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer\'s web site.