The Self Visa Credit Card is one of the best credit cards for individuals who need guidance while they save money and establish or build credit with the help of a credit card. This article will teach you everything you need to know about the self-issued Visa card.
Self Visa Card
The Self-Visa card is a card issued by Lead Bank or Atlantic Capital Bank. The card helps you build credit if used well. The Self Visa credit card is available to members of the Self-Credit Builder Program if they meet the requirements and have a Self-Credit Builder Account.
The card is designed for people who want to build up their credit but don’t have much money or any credit history to start the application process. The card’s monthly payment can be small, like $25, and there is no credit history or record required.
Key Features of the Self Visa Credit Card
The Self-Visa Card is one of the best cards available. Here are some features of this Visa card:
There is no need for a credit check.
When you apply for a credit card, the issuer of the card conducts some deep research, which may temporarily lower your credit score. However, you don’t need to worry about that when applying for the self-visa card.
Also, other secured credit cards will require that you come up with a set sum ahead of time in order to establish your credit limit. But with the Self-Visa card, it works differently.
When you are issued the Self-Issuing Visa Card, you should expect an actual fee of $25, which will reduce the amount of your available credit. Also, as of January 2023, the card has an APR of 28.24%. The Self Visa Credit Card does not charge a penalty APR for your first late payment.
The card doesn’t offer any sign-up bonus or rewards when you make purchases using the card. When trying to build credit, it is better to focus on paying the minimum amount that is due on time each month rather than seeking rewards.
Account for Credit Building
In order for you to get the Self Visa Credit Card, you will need to set up a Self Visa Credit Builder Loan. This is a good step; it doesn’t take many months before you’re qualified to get a Self Visa credit card. The Self Credit Builder account has its own fees and interest rate, which vary depending on the type of account you choose.
With their mobile app, you can easily manage your Self Visa Credit card and account through the Self mobile app, available on Android and iOS devices.
How does a Self-Credit Card work?
Just like any other credit card, the Self Visa Credit Card can be used at retailers who accept Visa. It simply helps you build credit by reporting your payment activity to three bureaus: Equifax, TransUnion, and Experian. The card company reports the following information about the card:
- Credit Limit
- Time since the account has been active
- Monthly payment amount
- Payment deadline
- Payment history or record
- Account status
All information about the card is usually reported during the first week of every month.
Self Visa Credit Card Benefit
All cards have their own benefits and offer when you use them. For the Self Credit Card, these are some of the benefits you enjoy when you use the card:
The card helps individuals with no credit or bad credit. You can add a positive payment history to your credit profile, and as time goes on, it could help you increase your score.
There are no exorbitant fees to obtain a card.
To apply for a secured credit card, you will need to pay a high administrative fee, but with the Self Visa Credit Card, you won’t have to cough up funds for a security deposit.
Once you apply for a Self Visa credit card, you’re automatically approved with no credit check if you meet the requirements to qualify. You can read about the minimum requirements and how to qualify.
Self Visa Credit card qualification
Before you can be issued a Self Visa credit card, you must first open a Self credit builder account. You must also make three monthly payments on time, and once it reaches $100 in savings, the Self app will notify you that you can now apply for your card and choose your credit limit.
Self Visa Credit card payment
Once you get your Self Credit Card, you can make payments by using the self app available on the app store for iOS users and the Google Play store for Android users, or you can make payments on their online website, www.self.inc/. You can also see your statement and current balances and make payments to your Visa credit card.
How to Get the Self Mobile App
With the Self-Mobile app, you have full control of your banking activities. You can easily manage your card and account and also access other features that will be of great help to you. You can download the mobile app by following these steps:
- Connect your device to the internet.
- On your device, for iOS users, open the App Store, while for Android users, open the Google Play Store.
- Once the app opens, locate the search bar and search for “Self App.”
- From the search results, find the Self app and click on it.
- The download should take a few minutes.
- Once the download is complete, open the app.
- Follow the on-screen process to set up the app.
Self Visa Credit Card Application
To apply for a Self Visa credit card, you must first open a Credit Builder account. You can create a Builder account by following the steps listed below:
- Connect your device to the internet and open your preferred browser.
- In your browser, navigate to www.self.inc/
- Scroll to the bottom of the page, and you will see an input field to input your email.
- To enter your email address, click the input field.
- Click on the “Start Building” button to start up the process.
Follow the rest of the on-screen procedures on the website to complete the account creation.
How to Get a Self Visa Credit Card
Once you are qualified to apply for the Self visa card, you will receive a notification concerning your eligibility. Follow the steps below to apply for a Self Visa credit card.
- Check your savings progress and choose the amount that you want to use to secure your card. It should be a minimum of $100, and this will serve as your credit limit.
- Confirm your address and place an order for the credit card.
- Once you get your card, activate it, and you can begin using your card anywhere Visa is accepted.
- Make credit card payments and make sure you repay your balance each month in order to increase your credit history.
Self Visa Card Login
If you have a Self Builder account on their website, you must log in to make use of it. The login process is easy and can be completed in a few simple steps. We will show you how to access your account.
How to Log In to your Self Visa Card Account
Follow the steps below to sign in to your self-service account:
- On your device, open a browser.
- On your device, navigate to https://www.self.inc/login.
- Once the page is open, fill in your email and password in the input fields meant for them.
- click on the “log in” button.
Self Visa Credit Card Activation
Once you have been issued your Self Credit card, before you can use it, you must first activate the card. The activation process is not difficult and can be done by following a few steps.
How to Activate Your Self Visa Credit Card
Follow the steps listed below to activate your self-issued Visa credit card:
- With your device connected to the internet, open your browser.
- On your device, navigate to https://www.self.inc/login.
- Once the page opens, click on card activation.
- On the new page, enter your card number and the expiration date of the card.
- Click on “Submit.”
- Once the next page opens, input your ATM PIN and click on “Submit.”
- You should receive an OTP via your email or phone number.
- Enter the OTP sent to you and click on “Submit.”
Wait a few minutes, and your card will be activated and ready for use.
Self Visa Card Customer Service
Self has a customer service option available on its website, which you can easily access if you have any issues with your account or your card. Even if you have any complaints about their services, you can contact their customer service and lodge your complaint. The steps below will guide you on how to access their customer service:
- With your device connected to the internet, open a browser.
- Open the page www.help.self/customer-service on your device.
- Once the page opens, find the contact by email or chat option to contact them via email.
- find the Self Customer service phone number below the option listed above.
You can easily contact them via email or by using their phone number.
Frequently Asked Questions
Can the self-issued Visa credit card be used anywhere?
Yes, the Self Visa Credit Card can be used anywhere in the United States that accepts Visa.
Which bank does the self-credit card use?
Self Visa Credit Card uses Lead Bank, the financial institution that approves your loan, while Self, the technology partner, services your loan.
Can I increase my self-credit limit?
Yes, if you have made enough savings in your Credit Builder Account and you own an active, secured credit card, you will see an alert on your dashboard that shows you are eligible to increase your credit limit. If you increase your limit, it will take 24 hours to take effect.
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