FAQ Category: Visa Credit Card - Share Secured
How can I see how much I’ve spent on my card and how much I owe?
You can quickly check your balance in the MyPDCU Mobile App. Just log in, select your Visa® Credit Card account, and you’ll see your current balance along with any past-due amount. Together, this shows your total amount...
Continue ReadingWhat is a Share Secured Credit Card?
A Share Secured Credit Card is backed by funds you have on deposit at People Driven Credit Union. Your deposit acts as collateral, and your credit limit is typically equal to the amount you pledge. This card works like a regular credit card and can help...
Continue ReadingHow does the security deposit work?
When you open a Share Secured Credit Card, you agree to place a certain amount of money in a PDCU savings account as collateral. This deposit is held while the account is open and in good standing. If the account is closed and all balances are paid, the...
Continue ReadingWill my payments be reported to the credit bureaus?
Yes. Your payment history is reported to major credit bureaus. Making on-time payments and keeping your balance low compared to your limit can help improve your credit profile over...
Continue ReadingCan I earn rewards with a Share Secured Credit Card?
Share Secured Credit Cards are designed for credit building and may not include rewards programs. For details on available rewards options, see our Visa Rewards Driven Credit...
Continue ReadingHow can I qualify for an unsecured credit card?
Responsible use of a Share Secured Credit Card—such as making on-time payments and maintaining a low balance—may help you qualify for other PDCU credit card options. Approval is not guaranteed and is subject to credit...
Continue ReadingCan I use my card anywhere?
Yes. Your Share Secured Credit Card can be used anywhere Visa is accepted, including online and in person, subject to your available credit...
Continue ReadingAre there fees or interest charges?
Interest and fees may apply. Please review our Credit Card Disclosures for complete...
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