Whether you’re starting from scratch or looking to recover from past credit challenges, the Self Visa Secured Credit Card offers a clear, supportive way forward. Unlike traditional credit cards, it focuses on helping users build a strong foundation through saving and responsible use.
This card simplifies the process, making it easier for users to understand how credit works and how to manage it effectively. With its practical approach and accessible requirements, it’s a smart choice for anyone ready to move toward greater financial independence.
Credit Confidence Begins Here with the Self Visa
- No Credit History? You’re Still Eligible
One of the biggest advantages of this card is that it’s available to users without any prior credit experience. That means no long financial history is needed to get started. This makes it perfect for students, newcomers to the U.S., or anyone who’s had difficulty being approved elsewhere. - Backed by Your Own Savings
Before unlocking the card, users fund a Self Credit Builder Account. Once that account reaches a specific amount, a portion can be used as a security deposit for the card. - No Hard Credit Inquiry
When applying for the Self Visa, your credit score remains untouched. That’s because there’s no hard inquiry involved, helping you protect your score as you get started. - Activity Shared with All Major Bureaus
The card reports to Equifax, Experian, and TransUnion, which means your efforts are recognized across all major credit platforms. - Credit Limit = Deposit Amount
Your credit limit is based on how much you’ve saved in your Credit Builder Account. This ensures you stay within your financial means while learning to manage a revolving credit line. It’s a valuable teaching tool that encourages smart habits and reduces the risk of overspending. - No Overdraft Risk
Since this is a secured card, you’re only spending what you’ve deposited. This eliminates the possibility of overdraft fees and unexpected debt. - Simple, Inclusive Eligibility Requirements
U.S. residents aged 18 or older with a Social Security Number can qualify. You don’t need high income, existing credit, or financial references. This inclusive approach allows more people to access credit tools that might otherwise be out of reach, especially those recovering from financial hardship. - App-Based Financial Control
Self’s mobile app offers an intuitive dashboard for tracking payments, savings progress, and credit activity—all in one place. - Supports Future Credit Goals
The Self Visa isn’t just about today—it’s a tool for tomorrow. It helps position you for bigger milestones, like getting approved for an apartment, car loan, or traditional credit card.
Qualification Requirements
- You need to open a Self Credit Builder Account. This account is used to fund your secured deposit and support your credit-building progress.
- You must be at least 18 years old. Legal adult status is required to apply and enter a financial agreement.
- You must live in the U.S. and have a Social Security Number. These details are required to verify your identity and report to the credit bureaus.
- No current bankruptcies. Applicants must not be involved in active bankruptcy cases during the time of application.
- Savings milestone must be met first. Before applying for the card, you must reach the minimum balance in your Credit Builder Account.
- You must complete the identity verification process. This includes submitting valid documentation for security and compliance.
How to Apply for the Self Visa Secured Card
- Sign up for a Self Credit Builder Account. Choose a monthly payment plan that works for you and start saving.
- Make consistent payments. Your savings grow monthly, and each payment is reported to the credit bureaus.
- Track your savings and credit score. Use the app to monitor your progress, payments, and your credit-building success.
- Get notified once you qualify. When your savings reach the required amount, you’ll receive an invitation to apply for the secured card.
- Choose your credit limit. Decide how much of your savings you’d like to use as your security deposit for the card.
- Start using your card. Begin making responsible purchases, paying them off on time, and continuing your path to stronger credit.
Frequently Asked Questions
Can I apply even if I’ve never had credit?
Yes. The Self Visa is made for people with little to no credit history.
Is my deposit refundable?
Yes. Once your Credit Builder Account is closed in good standing, your deposit is returned.
How long does it take to qualify for the card?
The time depends on your savings pace. Once you reach the minimum deposit, you can apply.
Will this help improve my credit?
Yes. On-time payments and regular use can help increase your credit score over time.
