Sterling Bank & Trust Secured Card

Pros: Very High Aproval rate, Excellent CS, A great First card. Earn Intreast.
Cons: Annual Membership FEE.

Sterling Bank & Trust is the actualy a "real" brick and Mortar Bank in Michigan. They been offering the secured Card now for many years and are highly reputable, among secured card issuers.

This was my first credit card a few years back, and I...

Pros: Great customer service
Cons: Live operator hours

I have several secured credit cards and I can say without a doubt that Sterling Bank & Trust ranks in my top three.

<ul>
<li>There are no ridiculous monthly "participation fees" like some cards
<li>You...

Pros: low annual fee, 120% of deposit, PROMPT payment posting, FAST card delivery, guaranteed approval
Cons: application fee, interest rate, no online account access, no authorized users

Back in the day, I had a few cards. This was my first credit card in four years. It is a wonderful secured card. I was attracted to Sterling because of its annual fee ($39), low application fee ($19), and it gives you 120% of your deposit for credit....

Pros: Great way to get your credit back on track the right way
Cons: A lengthy waiting period to get your card no rush service

My husband and I have had credit problems from day one. Not because we wanted too just because we had to live from day to day. Well we are slowly trying to resolve the situation and my husband saw an ad for the Sterling Bank and Trust Secured...

Pros: 120% Deposit Match; good customer service
Cons: Check deposits to savings accounts take too long to post

I have a Sterling Bank secured Visa. Its the best credit card I've ever had. For every deposit made into your savings account you get 120% credit. That's great. They also offer Western Union service to make payments and deposits to your account. The...

Pros: They give you more than your deposit. Good reputation
Cons: Annual Membership Fee. Reports as secured to the CRA's

I have a secured credit card account with Sterling and I want to give you my opinion on this wonderful bank. They have given me a chance with a Visa and have been very helpful whenever I needed anything. Their customer service hours are limited so that...

Pros: Visa or mastercard (or both), 120% of your deposit as limit, interest on your deposit.
Cons: No online access, Sterling doesn't offer the card anymore,60 days to get deposit back.

Being a brand new American and moving to this country 2 years ago, I had no credit history. My friends told me that your credit is your gateway to opportunity and the only way I can start on that road is to get a secured card. So via epinions I...

Pros: Secured card with a suitable credit limit.
Cons: None at this time.

My credit was at a low from a previous relationship. I applied for the Sterling Bank and Trust Credit Card, and received my card within two weeks. The customer service department is very friendly, and the interest rate is not bad. I can look up my...

Pros: Good Card!
Cons: Late posting of payments!

I searched thru alot of creditcard information befor choosing to apply for a Sterling Silver Visa.For sub-prime customers there is no doubt that this is one of the best there is.After having breifly read over there creditcard agreement,and calling to...

Pros: fast,good customer service
Cons: none

WELL A FRIEND RECOMMEND TRYING THIS CARD AS IM TRYING TO REBUILD CREDIT THAT I DAMAGED YEARS AGO AND NOW WANT TO ADD NEW GOOD CREDIT TO MY PROFILE. I SENT IN MY $219.00 AND MARKED THE EXPRESS BOX ON THE APPLICATION AND WITH IN 2 WEEKS THE CARD WAS IN MY...

Pros: help you get your credit back on track
Cons: None, so far.

I recently received my STERLING BANK AND TRUST Credit card. Matter of fact Yesterday, I went to my P.O. Box and there it was. I sent STERLING BANK AND TRUST $219.00, $19.00 being one time processing fee, $200.00 my deposit. I placed it rush order and I...

Pros: The card was obtainable in a reasonable amount of time
Cons: The customer service was poor. Protecting the interest of customers was not a priority.

I had been a customer for over 2 years, I had a problem with a merchant who obtained an authorization for $1.00 and forced thru an amount for much higher. I had lost the card and didn't have the credit balance for them to have gotten an approval for a...

Pros: Easy Approval
Cons: High interest & lack of limit increases.

After receiving an offer in the mail from them to get a secured card I decided to send it in. I received the card quickly and was given 120% of my initial deposit. I haven't had any problems except that when my 1st year was up I forgot that they were...