Secured Visa® Credit Card
Do you have damaged credit? People's now offers a credit card that helps build your credit!
Five Convenient Branches:
Hazel Dell | Battle Ground | Fisher’s Landing | Vancouver Waterfront | Ridgefield
People's is proud to offer our Secured Visa® Credit Card, which is backed by your own money instead of a credit check. Don't let no credit or poor credit hold you back from qualifying for a home loan or auto loan - with our Secured Credit Card, you can build your credit and take advantage of our low rates! Simply set your credit limit with a security deposit and start building your credit score.
- 15.00% fixed APR*
- No annual fee
- No balance transfer fee
- No cash advance fee
- Secured by your own money (up to $5,000)
- Quick approval
Credit Card Online Access provides safe and secure access to your Secured Visa® credit card from anywhere.
With Credit Card Online Access you can:
- View real-time account balances and transactions
- Print account histories and statements
- Make credit card payments
- Complete a balance transfer
- Download statements to software such as Quicken® or MS Money®
Register today to access your Secured Visa® Credit Card account online.
Credit Card Online Access
EMV, which stands for Europay, Mastercard and Visa®, is a global standard for payment cards using embedded microchips. People's Secured Visa® credit cards have an embedded microchip that allows you to pay at merchants where chip cards are accepted. EMV also provides improved security and protection against fraud.
In addition to the embedded microchip, People's Secured Visa® credit cards also have a magnetic stripe on the back. That way you can continue to make purchases by swiping your card and signing a receipt or using your PIN.
EMV Frequently Asked Questions
What is a chip-enhanced credit card?
Chip-enhanced, sometimes called “chip cards” or "smart cards,” have a microchip embedded in the card. The chip is encrypted and provides stronger security and protection against fraud.
What kind of information is stored on the chip?
The microchip embedded in the card stores information required to authenticate, authorize and process transactions. No personal information about your account is stored on the chip card.
What makes EMV cards more secure?
EMV cards store payment information in a secure chip rather than on a magnetic stripe. Unlike a magnetic stripe card, it is nearly impossible for thieves to create counterfeit EMV chip cards. That’s because these chips encrypt data differently for each transaction (dynamic authentication).
Will my card work outside the United States?
Yes, your new chip card will work all over the world at any merchant who accepts Visa® cards.
Do I need to notify you when I travel?
Yes, if you are planning on using your Secured Visa® credit card outside of the United States, contact us by phone 24/7, e-mail, or by coming into one of our branches with your itinerary and we will unblock your card.
Can I still swipe my card?
Yes, your People’s Visa® Secured chip-enhanced card has the flexibility to be used either in an EMV-enabled terminal or swiped on a magnetic stripe reader.
How can I get an EMV chip-enhanced Visa® Credit Card?
All of People’s Secured Visa® credit cards issued are EMV chip-enhanced cards.
Are there any additional fees associated with the EMV cards?
No additional fees apply to EMV credit cards.
How do I make a transaction with my new card?
Merchants in the United States are beginning to accommodate EMV cards by using a chip-enhanced terminals. If the merchant is not able to accept EMV cards, you will make purchases by swiping your card and signing a receipt.
To make a transaction, just follow these easy steps:
- Rather than swiping your card, insert the chip portion of the card into the terminal with the chip facing up and leave the card in the terminal until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed.
- Follow the prompts on the terminal's screen.
- When your transaction is complete, the terminal screen will prompt you to remove your card.
For restaurant transactions, the terminal may be brought to your table to complete the transaction.