Credit Builder Credit Card
It's the ideal card for building or repairing your credit.
Apply for this card without needing funds on deposit
Get financial flexibility
You can qualify for a credit line between $500 and $5,000.
Borrow at an affordable rate
This card's rate is 1% above the current rate for our traditional Secured Visa® Card.
Set up automatic payments
This ensures on-time payments, which help increase your credit score.
For first-timers and those needing a fresh start
Without a solid credit history, you'll find it difficult to qualify for a credit card. But not with Partner Colorado Credit Union. We offer our Credit Builder Visa® Credit Card specifically for members who need to establish their credit or repair their credit from past experiences.
When you apply for this card, you won't have to use your savings to establish your credit line, so you can use that money for other purposes. And when you qualify, you'll get all the purchasing power of a typical Visa® card and your on-time monthly payments help raise your credit score.
Here's What You Need to Apply for a Credit Builder Visa®
- A Partner Colorado Credit Union membership
- A Partner Colorado checking account in good standing for 12 months or more
- Proof of income that shows your ability to repay your loan
- An agreement to set up automatic payments from either a Partner Colorado account or another financial institution
- A clear history in which you have not caused any checking or loan losses to Partner Colorado
Here's How a Higher Credit Score Benefits You
Lower rates on loans, which can save you thousands of dollars
Lower cost on your insurance premiums
Easier access to contracts for new services, such as mobile phones
Better opportunities for new employment because companies do check
Easier future credit approval
Free Credit and Financial Wellness Counseling
Anytime is a good time to increase your credit score. Check out our Financial Wellness Counseling services to set your finances on the right path. We've joined forces with GreenPath Inc., a non-profit organization that provides financial education and support for credit union members nationwide. A GreenPath expert will review your financial situation and develop a personalized plan to meet your needs. Most services are available free to Partner Colorado members.
- Debt counseling
- Debt management
- Housing services
- Student loan counseling
- Credit report review
- Financial education
- Bankruptcy counseling
View FICO Credit Score
Keep tabs on this important number from Fair Isaac Corporation (FICO®).
- Use Mobile Banking to monitor your FICO® Score.
- Partner Colorado Credit Union provides your score (updated quarterly) based on information from your Experian credit report.
Online Banking
Take control of your personal finances through Online Banking.
- Real-time information
- Transfer money easily
- Track what's important to you
Resources to move you ahead.
Make sure you are using your credit card right.
Learn how to get your credit score on track.
See how long it will take to pay off your outstanding balance.
Manage your finances on the go.
Certain conditions and restrictions may apply. All loans subject to credit and income verification.