Lack of affordable child care;
A need for labor-intensive services (e.g. money orders, financial education and/or counseling, check cashing).
No health insurance;
Limited, negative, or no credit history; and,
SECURED CREDIT CARD
Secured credit cards are great for establishing or rebuilding your credit history.
Unlike prepaid cards, secured credit cards give you a credit line, and your payment activity will be reported to the major consumer reporting agencies.
A valuable access to financial services for members and potential members underserved and unserved by traditional financial institutions like Montana 1st did have.
Part-time employment with multiple jobs or side businesses;
The good news is that your monthly payments will be reported to the major consumer reporting agencies, ensuring that your account history is reported to your credit profile.
Limited financial resources;
Funds you deposit at the credit union are used as collateral for the credit card. You use the card like any credit card.
My Credit Union (Montana 1st) had offered this Secured Credit Card Product to:
Need for small dollar loans;
Secured cards can help you manage your credit and spending limits, however they do require a cash collateral deposit which then becomes the credit line for that account.
Unsteady employment (often temporary jobs with long hours);
With a less than perfect credit score, there are fewer card options out there. If you have had trouble getting approved for an unsecured card in the past, then a secured card may be right for you.
Receive supplemental security income or social security disability benefits;
Low share account balances;
Getting a secured card is easy!
You can rebuild your credit history by making on time monthly payments to all of your creditors and by keeping your balances low relative to the credit limit.
Unstable residency (often rent or live in public or subsidized housing);
Recommendation that Horizon provide Secured Credit Card Product.
Montana First Credit Union is a US Atm based in Missoula, Montana. Montana First Credit Union is located at 3708 N Reserve St, Missoula, MT 59808, USA.
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