Joey
Ups and Downs with this Bank
Applied Bank Visa was our second option for re-establishing our credit after job loss and no income. The card for us was approved, though it's a Secured card, and you have to deposit at least $200, you can at least get back onto the radar of credit bureaus. They have a low annual member fee, and apparently will move over a card holder to an Unsecured Card, should you pay on time for a year. The only downfall of this lender/bank us their website and account page is VERY old fashioned and limited,. It's not at all user friendly. That being said, I got approved right away, and was not much of a hassle (except for the lack of online access and payment options).