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The My First Credit Card offered by Heritage Bank has an introductory interest rate of 8.95%. It has a standard variable rate of 16.75%. These rates are lower than the other cards the bank offers.

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12y ago

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Do banks sell first time credit cards?

Banks do not sell credit cards but rather offer first time credit cards to those trying to build their credit. RBC, TD, and CIBC all offer first time credit cards to their clients.


Where can one receive a first time credit?

First time credit cards are offered by many credit card companies and banks. RBC, Scotiabank, TD Bank, and BMO all offer credit cards for persons starting off their credit.


Do Sterling Banks offer credit cards?

"Sterling Savings Banks offer two credit card options. The first is a Maximum Rewards Platinum Edition Visa, and the second is the Platinum Edition Visa Card."


Which banks offer prepaid credit cards?

The banks that offer prepaid credit cards are Bank of America, U.S. Bank Secured, Chase, Wells Fargo, Capital One Bank, also First Premier Bank offers prepaid credit cards.


Which credit cards offer the best rates?

Check your own bank first for a credit card. Often, banks where you already have a relationship will offer the best rates.


Do any banks offer accounts even though you have bad credit?

Most banks do. As long as you do not have a delinquent checking account. You might not be able to get the free account, but you should be able to get an account. If not you can always get the credit card that ask you to deposit money and build your credit up again. It works just like a debit card, and you can use any ATM to get cash, without penalty. Call the banks first if you have real bad credit, on go online to the banks website and try to apply on line.


Are there any banks in Georgia that are non chexsystems banks?

There are many banks in GA that will open accounts for those on chexsystems. Right now some of the more popular ones are BOA and Heritage Bank There are about 12 or 13 banks that offer second chance checking in Georgia and the majority of them are credit unions.


Are there credit cards for people with bad credit?

Credit cards for people with bad credit are secured cards issued by banks. It is also possible to get unsecured cards with low interest rate or zero APR for the first six months. Negotiations can be done with the bank that issued your credit card.


When did the first credit union open in the US?

The first credit union in the United States was opened in 1909. The Massachusetts Credit Union Act served as the basis for future state credit unions as well as the Federal Credit Union. Credit unions were very popular in the 1920's because they offered consumers an easier time of getting loans than commercial banks.


Which banks offer a first home mortgage with a low interest rate and a low down payment?

The best way to get the lowest rate is to shop around and see what different banks offer. Normally, smaller banks and credit unions will have better rates than the big national banks.


Which credit cards are secured?

Secured credit cards require that you supply a cash deposit as collateral that becomes the actual line of credit. When first establishing credit or reestablishing credit secured credit cards are an excellent method to use and most banks will be able to provide information on the secured credit cards they offer.


Which companies specialize in issuing credits cards with no credit check?

Some companies that specialize in issuing credit cards with no credit check are the banks First Citizens Bancshares or Central Banco. Another bank that specialized in this field is the NBT BanCo.