Three sections.
Plain English.
The deposit, the starting line, and the 6–8 month review that graduates it. Same 13% APR throughout, on Visa, Mastercard, and Amex — no fine print, no teaser that resets in month thirteen.
Your secured deposit is your starting limit.
$200 to $2,500. $200 is the default.
It sits in a lockbox. It earns no interest. You get it back — fully — when your line graduates to an unsecured one. No hard credit pull to open. No clause that flips in month thirteen. The deposit is the limit you start with, and the limit you start with is exactly what you put down.
Your starting credit limit equals your deposit.
Whatever you put down is your line. The same 13% APR — on whichever network fits where you spend.
- Visa. Accepted at over 200M merchants in 200+ countries — the default wherever a card is accepted.
- Mastercard. Same reach as Visa, with Zero Liability protection built in. Useful online and for international travel.
- American Express. Where Amex is accepted, the limit and the 13% APR are identical to Visa and Mastercard, and the network serves you for higher-ticket purchases.
First automatic review at 6–8 months.
At the 6–8 month mark the account goes through an automatic review, on this cycle:
What triggers the review.
On-time payment history. Account not past-due. Account age of at least six months. Same inputs every month — the underwriting model runs on what the statement already shows.
What graduates get.
Deposit returns. The line becomes unsecured. The 13% APR continues. History keeps reporting monthly to Experian, TransUnion, and Equifax.
What if graduation isn't automatic.
We tell you why and what would change it — in plain English, on the statement, in the same place the rate is. The deposit still backs the line; we don't move the rate up to compensate.
Same deposit. Same 13% APR. Same graduation loop.
13% APR on Visa, Mastercard, and Amex, on every account — reports to all three bureaus every cycle. Deposit returns at graduation — full stop. Apply, or read the full fee schedule.