Search
Close this search box.
Search
Close this search box.

Secured Mastercard®

Say goodbye to bad credit

Secured Mastercard®

Say goodbye to bad credit

Repair your less-than-stellar credit history with our Secured Mastercard®.

Want to improve your credit? Look no further than the Secured Mastercard® from United Texas. Your funds are fully secured by your United Texas Savings Account, allowing you to enjoy all the perks of our Platinum Mastercard®. 

Whether you’re building credit from scratch or working on repairing a rocky credit history, this card is for you. No credit check required, just a United Texas Savings Account and you can enjoy a competitive rate, unlimited 1% cash back on net retail purchases, and much more!

For a faster, more secure way to pay online, check out the convenience of Click to Pay today!

Credit Scores 101: An ounce of prevention is worth a pound of cure

You know your zodiac sign, your social security number, and even your significant other’s date of birth. But do you know your credit score? It may not be as exciting as astrology, but it can have a major impact on your financial life.

Knowing and improving your credit score can make a real difference when it comes to getting a loan or securing favorable interest rates. So let’s talk about how you can repair and maintain a healthy credit score.

Use Your Credit

Don’t be too quick to close your credit accounts. While you may think avoiding credit cards is a smart move, it actually affects your credit score. Credit utilization makes up 30% of your total score, so having a few lines of credit open can actually improve your score, even if you don’t use them often. Before you pay off and close that credit card account, consider keeping it open to continue building your score.

But Don’t Use Too Much

Did you know there’s a magic number when it comes to how much credit you should be using? It’s 30%, and that’s the maximum amount you should aim for to keep your credit score healthy and high. So, avoid maxing out all your credit cards. Instead, experts recommend making small purchases, like a tank of gas or groceries, that you can easily pay down each month.

Pay Your Bills On Time

Staying on top of your payments is crucial, yet it’s a concept that often trips people up. Even the most responsible bill payers can fall behind occasionally, but it’s important to prioritize staying current or catching up in the short term for long-term benefits. This doesn’t just apply to credit card payments; it includes utility bills, student loans, and even store cards like Gap. The good news is, every on-time payment you make helps rebuild your credit score, so don’t lose hope if you miss a few.

Keep Inquiries to a Minimum

Every time you apply for a credit card, loan, or even a new apartment, it affects your credit score. Lenders see these inquiries as a sign that you rely heavily on credit to finance your lifestyle. So, it’s essential to be cautious about applying for credit cards without careful consideration and think twice before cosigning loans for others if you want to maintain a healthy credit score.

Ask an Expert

If your credit score needs a boost, professional help is available. Credit counselors can guide you on managing your debt and improving your financial situation. While it may take time to turn your credit history around, making sound financial decisions will lead to a strong credit profile and an impressive score. Get the assistance you need today to achieve your financial goals.

Rates & Calculator

Loan Calculator

Loan Amount
Rate (APR)
Term

Enter your loan details to see your repayment information

Disclaimer: Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their applicability or accuracy in regards to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Monthly payment# of payments
Total paymentTotal interest

Secured Mastercard®

Secured Mastercard®10.75% APR*

*APR = Annual Percentage Rate. Rate effective as of November 11, 2024.
Minimum interest charge = None.
Secured shares must equal 120% of the credit limit.
Foreign Transaction Fee = up to 1% of each transaction in U.S. dollars.

Frequently Asked Questions

No. We don’t pull credit for Secured Mastercard.

There are no balance transfer fees, cash advance fees, or annual fees with this Mastercard.

Loans are usually approved the same day, and it can take up to 7 to 10 business days to get your card.

Yes, you may access your card using Online Banking, United Texas Mobile or our CardNav app.

You have a 25-day grace period before interest begins to accrue.

All Mastercard payments are due on the 15th of the month.

Yes, please notify United Texas when and where you plan to be traveling. Otherwise, we might be concerned that your transactions abroad are fraudulent, and put a hold on your card.

Call us anytime 24/7 at (210) 561-4500 or toll free at (800) 531-8456.

You can also enroll your card in the Card Security feature of the United Texas Mobile App, or our CardNav app, which both let you turn your card on and off. This can be helpful if you think you might have misplaced your card, but don’t want to cancel it yet.

If you think your card has been used fraudulently or you see a transaction you don’t recognize, please call (800) 531-8456, anytime 24/7.

Yes, we do.

Yes, we do. We offer enhanced Mastercard ID Theft Protection. This is an automatic built-in benefit to your card to better safeguard you against possible identity theft. Visit https://mastercardus.idprotectiononline.com/enrollment/embedded.html to sign up.

Generali Global Assistance Inc. provides this benefit. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.