It’s relatively easy to qualify for a Green Dot Platinum Visa secured credit card. Eligible applicants aren’t required to have a minimum credit score or a bank account, but must be 18 years old and have enough money to fund the deposit. 

1. Complete an online application: 

You will be asked to provide your monthly income and expenses, Social Security number, and address. Green Dot will decline applicants if their information is unverifiable. If approved, Green Dot will establish your maximum credit limit based on your application. 

2. Get card in the mail: 

After approval, a Green Dot Platinum Visa secured credit should be delivered to you by mail in 7–10 days. Approved applicants have 60 days to fund the minimum $200 security deposit before they must reapply.

3. Fund security deposit: 

Bring your new card and enough cash for the initial security deposit to any participating Green Dot partner, 7-Eleven, CVS, Dollar General, Rite Aid, Walgreens or Walmart. Ask a cashier to load to the deposit and activate your card. The Green Dot Platinum Visa secured card should work within a few minutes after the deposit is complete. Be aware that some retailers have $500 limits, you can only make one deposit per store and a $4.95 service charge may apply. You can also mail a check for the deposit at no extra cost, but that will take another 10 days to process.

4. Use the new line of credit responsibly: 

Once you have the card, it’s crucial that you stay on top of payments and don’t overspend your credit limit. Since Green Dot Platinum Secured cardholders’ activity is reported to all three major credit bureaus, responsible use will raise your credit score and irresponsible use will decrease your credit score.


Green Dot Platinum Secured Credit Card Application

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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