Self Visa Secured Review

Build better credit and develop smart money habits with a secured card that puts control in your hands.

Establishing credit for the first time or repairing a damaged score can be an uphill journey, but the Self Visa Secured Credit Card offers a practical way to move forward. Instead of requiring upfront deposits or perfect histories, it’s built to guide users patiently toward long-term financial improvement.

This card combines responsible spending tools with an innovative savings model. By focusing on habits that influence credit growth, it creates a supportive environment for individuals aiming to take back control of their financial future.

Take Charge of Your Credit Journey with Self Visa

• No Credit History Needed
  The Self Visa Secured Card welcomes individuals with no credit background, removing a common barrier in the approval process. This makes it a valuable choice for newcomers to credit, such as young adults or individuals recovering from past challenges.
• Backed by a Credit Builder Account
  What sets this card apart is its connection to the Self Credit Builder Account. Instead of requiring an upfront cash deposit, users build their security deposit over time through scheduled savings payments. Once enough has been saved, they become eligible for the card.
• No Hard Credit Inquiry
  Applying for the Self Visa does not trigger a hard credit check, which means there’s no risk of your score taking a hit just for applying. This approach is especially helpful for consumers focused on improving their credit standing, not setting it back.
• Automatic Reporting to Credit Bureaus
  The Self Visa reports monthly to all three major credit bureaus: Experian, Equifax, and TransUnion. This ensures that your payment history contributes directly to your credit profile, enhancing your score over time.
• Customizable Credit Limit
  The credit limit for the Self Visa is determined by the amount saved in the Credit Builder Account. This ensures that users spend within their means, promoting responsible credit usage.
• Straightforward Eligibility
  The card is designed with accessibility in mind. Applicants don’t need perfect credit or extensive financial records—just a willingness to follow the savings plan and engage with the process.
• Safe and Predictable Spending
  As a secured card, the Self Visa helps avoid common pitfalls like overdrafting or surprise interest. You spend only what you’ve deposited, giving you clarity and security.
• Convenient App Experience
  With the Self mobile app, managing your card and Credit Builder Account is seamless. The dashboard provides insights into your payment history, savings progress, and credit score changes—all in one place.
• Empowers Long-Term Goals
  By encouraging consistent habits, saving, and responsible card use, the Self Visa supports more than just short-term needs. It lays the foundation for a brighter financial future, from car loans to home mortgages.

Qualification Requirements

• An active Self Credit Builder Account is required. Applicants must open and begin funding their Credit Builder Account before becoming eligible for the card.
  
• You must be at least 18 years old. This product is only available to legal adults capable of entering into a financial agreement.
  
• Valid Social Security Number and U.S. residency are necessary. Applicants need to verify their identity and reside in the United States.
  
• No active bankruptcies at the time of application. Individuals undergoing current bankruptcy proceedings are not eligible for the card.
  
• Identity verification documents must be submitted. These ensure the account is set up securely and legally.
  
• Deposit requirements must be met through the Credit Builder Account. The card becomes available after reaching the savings threshold.
  

How to Apply for the Self Visa Secured Card

• Start by opening a Credit Builder Account. Choose a payment plan that fits your budget and commit to making monthly deposits.
  
• Begin making regular payments. These payments contribute to your savings while also being reported to the credit bureaus.
  
• Track your credit progress. The app and dashboard help you stay informed about how your payments are affecting your score.
  
• Reach eligibility and receive an offer. Once you’ve saved enough, you’ll receive the option to apply for the Self Visa.
  
• Select your deposit amount. Choose how much of your savings you want to convert into your card’s credit limit.
  
• Finalize and start using your card. After approval, the card can be used for everyday purchases, continuing your credit-building journey.
  

Frequently Asked Questions

Can I get the Self Visa without prior credit history?
Yes. This card is specifically designed for those with limited or no credit history.

Will this card affect my credit score?
Yes, in a positive way. Your payments are reported to major credit bureaus and can help improve your score over time.

Is the credit limit adjustable?
You can increase your limit by saving more in your Credit Builder Account and adjusting your deposit amount.

Do I need a traditional bank account to apply?
No, but you do need the Self Credit Builder Account, which acts as the foundation for the secured card.