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Refresh Financial Secured Visa Credit Card
November 30, 2018
2:14 pm
Top It Up
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Members (temp break)
Forum Posts: 1363
Member Since:
December 17, 2016
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WOW - talk about an UNFRIENDLY credit card -

Annual Fee - $12.95
Monthly Fee - $3.00
Cash Advance Fee - $5.00
Over limit Fee - $5.00 (One time only. Card is cancelled second time.)
Interest Rate: - $17.99%
Card Limits: $200 - $10,000
Approved ATM Transaction - Canada - $5.00
Approved ATM Transaction - International - $5.00
Approved Point of Sale (POS) Transaction - Canada - $0.00
Approved POS Transaction - International - $3.50
Monthly Inactivity Fee - $2.00
Declined Transaction Fee - $0.10
Bill Payment Fee - $0.50
Chargeback Investigation Fee - $10.00
% Fee on All International Transactions - 3.50%
Paper Statement Fee (in lieu of electronic copy) - $2.50

For further Terms and Conditions - https://refreshfinancial.ca/credit-card/

November 30, 2018
6:04 pm
Save2Retire@55
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Members
Forum Posts: 587
Member Since:
January 3, 2013
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Approval without credit check.

I think they can charge people whatever they want as the risk is high. Have no idea how any bank will give anyone credit without checking their history. Oh well.

December 1, 2018
3:20 am
Loonie
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Forum Posts: 5551
Member Since:
October 21, 2013
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It's a secured card, so they're not taking much risk.
Most of their potential customers would be better off with a bank account and a debit card, but I guess it allows them to build some kind of credit history eventually - at a price!

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