Restoration Visa Classic
Restoration Visa Credit Card
Rebuild your credit history.
If you are trying to restore your credit after a bankruptcy then our Credit Restoration card is for you.
Rates
Balance Transfer Rate
Fixed
Fees
No annual fees
No balance transfer fees
No cash advance fees
The Restoration Visa comes with a low credit limit which allows you a chance to have access to credit without getting in over your head.
Your timely payments are reported to the credit bureaus which helps to build or rebuild your credit. We review your account periodically to see if you qualify for a higher limit.
Get rewards and increase your credit score by paying on time.
There are so many great reasons to carry a FECA Visa® Premier credit card.
No annual Fees Low Interest Rates Rewards for Use Security from fraud
This card is best for:
Rebuilding Credit History
Getting Value Rewards
Bankruptcy or Low Credit
The benefits of the FECA Secured Visa
Low Limit & Low APR
A refundable deposit is required to be held in a secured savings account. The Secured Visa card’s limit is the same amount as your security deposit. The security deposit also allows us to provide the card with a low-interest rate.
A card for everyday purchases
Use your card wherever credit cards are accepted. It looks and works the same as a traditional credit card. No one can tell it’s different from a traditional credit card. Better yet, the Secured Visa has the lowest rate of any of our credit cards.1
Build your credit
We monitor your card activity and report your card status to the credit bureaus. Spending within your limit & paying your Secured Visa bill monthly should help build your credit over time.
All FECA credit cards feature:
- No annual fee or balance transfer fee
- Free 24/7 fraud monitoring service
- Immediate online cash advance availability
- Security: EMV Chip Technology, Visa Secure Verification, Fraud notifications, tokenized transactions from your mobile wallet
- Mobile Wallet: Add your secured card to your mobile device for convenient & secure payments with just a tap.
- AutoPay: Set automatic pay options to pay bills on time and avoid late fees.
Ready to Improve Your Credit Score?
Online Payment Portal
Making card payments from an outside account? Click here to make an easy online payment (email address and passcode required).
Ready to redeem your Value Rewards?
Check your Rewards balance and see what merchandise awaits!
How does the FECA Restoration Visa build credit?
The FECA Restoration Visa can be a great option for those trying to build or rebuild credit. Payment history is the most important factor in your credit score. If you consistently make on-time payments with your FECA Restoration Visa card, positive information will be reported to the credit bureaus, which helps you build credit.
This makes it important to pay your Secured Visa bill on time each month and in full, if possible. Late payments, missed payments, and exceeding your credit limit can harm your credit. Paying down the card monthly can help build credit and increase your credit score, and can help you qualify for a card with a higher limit.
Need Credit Advice?
Our Credit Solutions Team is here to help any member struggling with debt. Get free consultations about your specific situation to improve your credit and financial quality of life. Team members are certified through NACCC (National Association of Certified Credit Counselors). If you’re trying to rebuild after a discharged bankruptcy, our Credit Solutions Team can work to develop a plan to improve your credit so you can qualify for better loan terms.
How Credit Cards Work
Credit Cards are valuable tools for everyday purchasing and to building credit. Learn how to use them responsibly.
Understanding Credit
Learn the basics of credit scores, what affects your credit, and how to build a strong credit history.