Building a Strong Credit Profile

• No credit check to apply. Zero credit risk to apply!
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
• With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
• Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Join over 1.2 million cardholders who’ve used OpenSky to build their credit
• Annual Fee: $35
• APR 21.89% (V)

A CreditStrong account is the fusion of a secured consumer installment loan and a savings account. During the life of your CreditStrong account you build both credit history and savings.

• Instantly build revolving credit with no minimum monthly payment required with CreditStrong Revolv
• Build installment credit and savings with low fixed monthly payments with CreditStrong Instal
• Build supersized installment credit with supersized plans with CS MAX

• APR for purchases: 0% Introductory APR for the first six months your account is open, afterward regular APR.
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• Quick and Complete Online Application; No Credit Inquiry Required!
• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application
• Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
• Annual fee of $49

How it works:
1. Build with Installments: pay $10/month over 24 months.
2. Learn with Courses: pick up useful skills.
3. Earn with Rewards: up to 1% back on eligible loan offers.

Key features:
• Flat monthly rate
• Instant approval
• No credit check / no hard pull
• No bank account needed
• $0 security deposit
• $0 setup/admin fees
• $0 annual fees
• $0 late fees
• $0 prepayment fees
• 0% APR

Requirements:
• You must be at least 18 years of age
• You must have a valid U.S. Social Security Number

• Start building credit in seconds with a Kikoff membership, renewed annually.
  
• Sign up in minutes with no credit check
  We set up a credit account for you and report it with a $500 revolving credit line.
  0% Interest
  Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion. We report all customers’ monthly payments to Equifax and Experian with our standard account.
  

Please note that reporting depends upon which Kikoff products you have:
- Kikoff Credit Account (standard membership) reports to Equifax and Experian.
- Credit Builder Loan (optional) reports to TransUnion and Equifax.

Optimize your credit utilization.
The smaller the ratio of your credit usage to your limit, the better. The Credit Account’s utilization rates are extremely low—like 2% low.
Grow your average account age.
The older your accounts, the better. The Credit Account doesn’t expire, so keeping it open will continue to increase your average account age.

GreenLight® Debit Card & App For Kids

Teach your kids how to learn to manage money, set savings goals, spend wisely and invest!

-Greenlight celebrates smart money management by rewarding kids with up to 1% Cash Back and 2% on their Savings balances.*
-Send money to your kids — anytime, anywhere.
-Get real-time notifications any time the card is used.
-Create in-app chore lists and tie the work to perks.
-Allowance on autopilot. Weekly or monthly, you can set it and forget it.
-Personalize your kids’ debit cards. Selfies rule.

• No annual fee
• No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
• Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
• With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
• Get considered for an unsecured credit line increase after 6 months - no additional deposit
•  Monitor your credit progress with free access to your FICO Credit Score.
• Reports to all 3 major credit bureaus monthly to establish and build credit history.
• Secure your credit line with a refundable security deposit - as low as $300.

• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Available Nationwide
• APR for purchases = 24.99%
• Annual Fee = $29
• *See all terms and conditions.

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank

• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Available Nationwide
• APR for purchases = 18.99%
• Annual Fee = $39
• *See all terms and conditions

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank

• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Availalbe Nationwide
• APR for purchases: 14.99%
• Annual Fee = $49
• *See all terms and conditions

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank 

• Choose your own credit line based on how much money you want to put down as a security deposit.
• Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
• After 9 months, we review your account for a credit line increase. No additional deposit required!
• Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
• Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
• Get your FICO® Credit Score for free each month.
• Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
• Card issued by Merrick Bank, Member FDIC.
• Wisconsin Residents:  This offer is NOT valid for residents of Wisconsin

• Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $ 400 without making another deposit.
• Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
• Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
• Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
• Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
• Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.

Card issued by Merrick Bank, Member FDIC.