Secured Credit Cards
We offer a Secured Visa® Credit Card for those who need to establish or rebuild credit history. Learn more about our Secured Credit Card today!
Ideal for: Just starting out or rebuilding credit
If you have less than one year of major credit card history OR you know you need to work on improving damaged credit because you have:
- Been declined for other unsecured cards recently or
- Missed bill payments or
- Been contacted by a bill collector in the last year
Our Secured Visa® Credit Card, when used responsibly, can help build and improve your credit record.
Did you know that, according to myFICO.com, 35% of your FICO® Score is based on your payment history? Another 15% of your FICO® Score is based on the length of your credit history. If you do not have an established credit history, it can be difficult to build a credit score high enough to qualify for a mortgage loan. Based on our experience at NewHomePrograms.com, many mortgage lenders are also requiring clients to have at least 2 open trade lines2 before they will agree to help finance a home.
For this reason, the NewHomePrograms.com Secured credit card can be a smart way to begin building a positive credit history. The NewHomePrograms.com Secured Visa® Card is a major credit card (provided by First Bankcard®) secured by a cash deposit and an annual $19 annual fee3. Deposits are as low as $3001 per Secured card, and First Bankcard® is willing to accept your deposit via our online application.
If you do not currently have 2 open trade lines on your credit report, consider applying for a Secured Card to help you establish a positive credit history.
This is a solicitation for a credit card.
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
- The amount of your security deposit is the amount of your credit limit, subject to credit approval.
- A “trade line” is a credit industry term for an account recorded on a credit report.
- For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. VISA is a registered trademark of Visa International Service Association and used under license.
Cory was very helpful and Smart. Thanks for all that knowledge I received today. And also My Realtor Reshunda I was placed with. Thanks!
They provided me with excellent information about the home buying process that I was not aware off.
Free credit help; grants. Down payment assistance and passionate people!
Went to a FREE seminar today with my guy, and we both left more knowledgeable and even more excited about our home buying journey! We aren’t buying YET but when we do we will absolutely keep these guys in mind! Thank you for providing these outlets for people like us who had so many questions!
Thank you for the great info today at your Seminar again thank I will keep in touch.
I found them accidentally and I’m so happy I did. I dragged my husband on Father’s Day for a free two hour seminar and even he was happy I found them. I love our realtor Reshunda. She was polite and very well informed. She’s always available to ask any questions we may have and I’m excited to be on this journey with her.
My husband and I just left the seminar armed with so much relevant information that was presented in military and layman language. Cory the owner is military and very knowledgeable and spoke on programs to help in ownership, credit, types of mortgages and the home search. We would have like to talk to Andre to get started but I will be getting in touch soon! Thanks for the armor now we are ready to begin.
This company is great for home buyers whether it’s your first time or you have owned a home before. They are definitely in the business to help people.
When I start looking for a home I’ll check em out then.