Getting started with credit can be one of the most important steps in achieving long-term financial health. The Self Visa Secured Credit Card is designed to simplify that journey, offering an easy way to begin building credit without traditional barriers.
With a combination of credit-building features and a savings-focused approach, this card creates a structured path for people ready to take charge of their future. It offers guidance, flexibility, and the tools needed to make real progress—without the stress of complicated applications.
A Smarter Way to Build Credit – Self Visa
- Accessible with No Credit History
This card welcomes individuals who have no prior credit experience. Whether you’re starting fresh or rebuilding, there’s no need for an established score to apply. - Linked to a Credit Builder Account
To qualify for the card, users start by funding a Self Credit Builder Account. Once enough has been saved, a portion is used to secure the card. - No Hard Credit Pull
One of the key features of the Self Visa is that it doesn’t require a hard credit check when applying. This means your credit score won’t be affected during the application process. - Reports to All Three Credit Bureaus
The card reports to Experian, Equifax, and TransUnion every month. This ensures your positive payment history is recorded and reflected in your credit profile. - Spending Limit Based on Your Deposit
Your credit limit is determined by the amount you’ve saved in your Credit Builder Account. This system ensures that you don’t borrow more than you’re ready to manage. - No Risk of Overdrafts
Because the Self Visa is a secured card, it doesn’t allow overdraft charges. You only spend what you’ve deposited, avoiding the possibility of debt spiral. - Easy Eligibility for U.S. Residents
If you live in the U.S., are over 18, and have a Social Security Number, you meet the basic eligibility requirements. No credit history or high income is required. - Mobile App Management
The Self app lets you view your savings, track your credit score, and manage your card anytime. It’s intuitive, organized, and built to help users stay on track. - Supports Financial Milestones
Beyond just credit repair, the Self Visa can be the first step toward larger goals—whether that’s qualifying for an auto loan, securing an apartment, or applying for a mortgage.
Qualification Requirements
- You must open and fund a Self Credit Builder Account. This is essential for securing the deposit and beginning your credit journey.
- You must be a U.S. resident with a Social Security Number. This helps ensure accurate reporting and identity verification.
- You must be at least 18 years old. This requirement is in line with legal financial agreements.
- You cannot be in active bankruptcy. Applicants must be in stable financial standing to qualify.
- You must complete identity verification. Proper documentation will be required to finalize your application.
- You must meet the minimum savings threshold. Once your Credit Builder Account reaches the required amount, you’ll be invited to apply for the card.
How to Apply for the Self Visa Secured Card
- Start by signing up for a Self Credit Builder Account. Choose a savings plan and begin making regular payments.
- Build your savings each month. The money you contribute will eventually fund your card’s security deposit.
- Monitor your credit with the Self app. Get real-time updates on your credit progress, payment history, and financial standing.
- Get notified when you qualify. After reaching the savings milestone, you’ll receive an invitation to apply for the secured card.
- Select your deposit amount. Decide how much of your savings you’d like to use as your card’s credit limit.
- Use the Self Visa to build credit. Begin making purchases, paying on time, and watching your credit improve.
Frequently Asked Questions
Is this card good for building credit from scratch?
Yes. It’s specifically designed for people with little or no credit history.
Will this card help me qualify for better credit later?
Yes. With responsible use, your improved credit score can lead to better offers in the future.
Is there a traditional deposit required upfront?
No. You build your deposit over time through the Self Credit Builder Account.
Do I need to pass a credit check to qualify?
No. Self doesn’t require a hard inquiry when you apply for the secured card.
