UNITY® Visa Secured Credit Card

The UNITY® Visa is a secured credit card that helps users rebuild their credit. It comes with a fixed APR, as opposed to a variable APR, which is a rarer trait among credit cards.

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  • Rewards

    None

  • Signup Bonus None
  • Chip Technology None
  • Foreign Transaction Fee See Terms
  • Intro Balance Transfer APR 9.95% for 6 months
  • Regular Balance Transfer APR See Terms
  • Cash Advance APR See Terms
  • Penalty APR See Terms
  • Late Fee See Terms
  • Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Reports to the Major Credit Bureaus

    This card will report your activity, positive or negative, to the 3 major credit bureaus.

  • How to Rebuild Credit Program

    Information and advice on how to improve your credit score.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 11 reviews
by Sam Hoffman
Very Bad Credit Card

I am taking this time to write, and I hope it will be helpful for many
It’s important to know WHAT PROBLEMS you getting into prior making this Unity Visa Credit Card , be very careful before making this bad decision
I made 3 “Secured Credit Cards” a few years ago , I was very happy with ALL, until Unity Visa has changed their policy, and Unity Visa became impossible to work with , The worst Credit Card Company, I don’t know how they are still in business, I guess people like to suffer the same way I did for a few years (I just closed the Unity Visa Credit Card) I stayed with Merrick Bank and Capital Bank both of them are a pleasure
Here are the problems I had with Unity Visa
Since they stopped accepting Pay By Phone or On Line Payments This is the problems I had the last 2 years
1-I usually receive the credit card bill on the 10th of the month, The due date is on the 25th , Even I mail the check/payment same day of receiving the bill, there is a big chance of being late, since the USPS takes a few days, Unity Visa processing takes a few days, so there is a 80% chance of being late, I have the pressure every month to go on line, and see if the statement has already been posted, then mail a check before I even get the paper bill
2-I had once where they haven’t received the mailed check – I was hit with a late fee of $35.00 – There was no way I can proof that it was mailed..
3-Since then I started using “Check Payments through Chase Bank” so I can track the day they mailed checks and see on line when vendors deposit the check, and I never had a problem with anyone using that feature from Chase – the ONLY PROBLEM I had, was with Unity Visa – The money was debited from my account through Chase Bank, because they mailed the check, and Unity Visa claimed they never received it , even I had proof it was send out and chase bank debited to funds
Customer Service
A-They don’t accept emails
B-The ONLY way to communicate with them is by phone – and don’t expect to get through to someone before waiting 30+ minutes
C-They have a call center in Pakistan and they hardly know English , so if you need to speak to another rep, you will wait another 30+ minutes (BTW if you are looking to waste time this is perfect, a simple call will keep you from 1-2 hours
D-Most of the times, you reach the wrong department, and they will need to transfer your call, and finally waiting another half hour, it was again the wrong department… You can’t imagine the frustration ..
E-Once I was waiting for 48 Minutes and the phone got disconnected

by Armando
OneUnited Bank check returned

After having this secured credit card for 2 years and closing the account they send me the secured deposit refund 3 months later and the check was returned by Wells Fargo as Insufficient Funds, VISA 0000-0805

by David
Worst card ever

I agree with both David R. and AJ stay away from Unity Visa I even have an account with One United Bank and they still place a hold on my payment to the card it takes 3 to 4 days for them to post it to the card even though it shows that they have received the payment and the funds were taken from my account. this is the most ridiculous thing ever they sponsor the card but wont post the payments when they receive them this is the only company I deal with that is this way. I have a Walmart Money card that I use to make online payments and things so that my other CC stay a little more secure even this card post the funds the same day they get it. As far as the getting the card it was real easy you have to send in some proof of citizenship documents which are required by law since 9/11 but after they get them which I sent by online fax I got the card within a week. To be fair though the One United Banking service is outstanding if you want a Great online Banking service use them but stay away from the Unity Visa card unless your willing to wait 3-5 days for YOUR money

by David Reynolds
What a JOKE!

What can I say! I read the reviews on this card last year but proceeded to apply for one anyways because I try to find out on my own if a company is really a POS! This bank is with no doubt!! I applied for this card and only deposited $300. It took me 30 days to get the card after I had already paid my deposit. Once I received the card I started using it. The following month I went to pay it and what do you know? They do not except electronic bank payments like all the other cards I have. So, I started paying on this card by ebill pay through my bank. It took 3 days for them to get my bank check but 15 days to clear. UNREAL! Needless to say, this card went in the back of my wallet! I filed a charge back dispute on a few unauthorized transactions. They responded by being in favor of the company who actually never had access to my card. During this process, they were suppose to send me another card. 1 week went by, 2 weeks, 3 weeks, A month later and no card! I finally on month 2 decided to cancel them. I had asked if their were anything I owed them at the time I closed the account. They said no. They will be sending my deposit back in a month. Well, a month has come and gone 3 months ago and no check and today I got a look at my credit score and I see they are stating that I owe them $435.00 and I'm delinquent on an account that is closed.

So, I am here to tell you that I have first hand knowledge that this company is a scam and will only hurt your credit rather then help it. You will be hurting yourself worse doing business with this sham! I have two other secured credit cards that work awesome for my needs! Though my credit score has gone back 35 points rather then forward, But hey, I will pay these frauds what they claim I owe them and set my watch for 30 days on my deposit. If it doesn't come, It will be time to board a plane to Florida and file a law suit and a complaint with their attorney generals office.

by AJ Robinson
Don't waste your time with UNITY!

I HAVE A MAJOR PROBLEM!!! AND THIS EMAIL NEEDS TO BE FORWARDED TO THE MANAGER RESA MCFARLEY, OR WHOEVER IS THE APPROPIATE CONTACT IMMEDIATELY!!

I JUST CALLED THE NUMBER ON THE BACK OF MY UNITY VISA CREDIT CARD, AND THE REP WHO ASSISTED ME (HANNA - U56032) SAID THAT SHE COULD NOT SEE WHY MY PAYMENT OF $570.84 HAD BEEN PLACED ON HOLD. SO SHE SAID I NEEDED TO SPEAK WITH A CREDIT CARD COORDINATOR. FROM THERE, SHE TRANSFERRED ME TO UNITY VISA'S 877# AND I SELECTED THE OPTION THAT WAS FOR CREDIT CARDS. AT THAT POINT, IT SAYS IF YOU ALREADY HAVE A CREDIT CARD PRESS 1, SO I PRESSED 1 AND IT SENT ME BACK TO THE NUMBER ON THE BACK OF MY CARD. THIS IS ALREADY RIDICULOUS!

I CALLED THE 877# BACK AND DIALED 0. I DIDN'T GET THE NAME OF THE WOMAN I WAS JUST SPEAKING TO, BUT I EXPLAINED TO HER WHAT WAS GOING ON AND THAT I NEEDED TO SPEAK TO A CREDIT CARD COORDINATOR AND SHE PUT ME ON HOLD TO GET SOME INFORMATION. SHE ADVISED ME THAT ANY PAYMENT OVER $300 GETS PLACED ON AN AUTOMATIC 5-7 DAY HOLD. AND SHE ASKED IF IT WAS A CHECK. I TOLD HER NO, IT’S AN ELECTRONIC PAYMENT THAT WAS SENT DIRECTLY FORM MY CHECKING ACCOUNT. SHE SAID HOLD ON.

SHE GETS BACK ON THE LINE AFTER 11 MINUTES TO TELL ME THERE IS NO WAY FOR THE FUNDS TO BE RELEASED BECAUSE WHEN THE PAYMENT IS OVER $500, IT NEEDS TO CLEAR. THIS IS THE DUMBEST THING I’VE EVER HEARD BEING THAT THERE IS NOTHING TO CLEAR!!! YOU PEOPLE HAVE MY MONEY AND I WANT IT AVAILABLE ON MY CREDIT CARD. ON TOP OF THAT, YOU ARE NOW PUTTING ME IN A TERRIBLE SITUATION WHERE I HAVE NO CREDIT CARD FOR MY NEEDS OF A HOTEL ROOM AND A RENTAL CAR WHILE I AM OUT OF TOWN, NOR DO I HAVE ACCESS TO THESE FUNDS THAT I NEED!!!!!

THAT IS THE MOST RIDICULOUS THING I HAVE EVER HEARD!!!!! THERE IS ABSOLUTELY NO WAY YOU CAN JUST TAKE SOMEONE'S FUNDS AWAY WITHOUT ANY TYPE OF NOTICE, OR WITHOUT EVER HAVING PROVIDED ANY INFORMATION ON A PAYMENT CAP FOR AVAILABILITY OF FUNDS. HAD I BEEN AWARE OF THE $300 CAP, I WOULD HAVE SENT TO PAYMENTS FOR $285.42, INSTEAD, YOU WANT TO PUT PEOPLE IN A SITUATION WHERE THEY HAVE NOTHING.

I AM ABSOLUTELY LIVID RIGHT NOW!!!! THERE IS NO EXCUSE FOR THIS!!!! MY FUNDS NEED TO BE RELEASED IMMEDIATELY!! ON TOP OF THIS, THERE'S ABSOLUTELY NO REASON FOR THE FUNDS TO BE PLACED ON HOLD BECAUSE YOU HAVE THE MONEY!!! I DID NOT SEND YOU A CHECK OR MONEY ORDER PAYMENT THAT NEEDS TO WAIT TO BE CLEARED, NOR DID MY BANK SEND YOU ANY TYPE OF CHECK PAYMENT THAT HAS TO BE CLEARED. IT WAS AN ELECTRONIC TRANSFER/BILL PAYMENT FROM MY CHECKING ACCOUNT TO ONE UNITED BANK. THE MONEY HAS BEEN GONE FROM MY ACCOUNT SINCE MONDAY.

NOW YOU HAVE APPLIED THE PAYMENT TO MY ACCOUNT, YET PUT THE FUNDS ON HOLD. THERE IS ABSOLUTELY NO REASON FOR FUNDS THAT YOU ALREADY HAVE RECEIVED TO BE ON HOLD.

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The above email is what I sent to One United Bank on Friday, July 31, 2015. And I called them NUMEROUS times on Friday speaking to the same woman (Carmen) basically all day long. Apparently, the woman I needed to speak with was the manager Resa McFarley, who I left 2 voicemails for on Friday and still have not gotten a returned call. I called around 1pm PST on Friday and Carmen said Resa was at lunch and would be back in an hour. Then I called back around 3pm and all of a sudden she's gone for the day. AND even if she was there, Carmen said she also would NOT be able to release the funds. I bank with Wells Fargo. Wells Fargo sends them an electronic transfer every month from my account.

The funds are gone from my account as soon as Wells Fargo sends the payment; then One United bank receives and posts the payment to my account within 48 hours, making that credit available. THIS TIME, I paid the full balance of my card, which was $570.84, and the funds are STILL on hold. Carmen said they would be on hold for 5-7 days because the payment needed to clear. I explained to her numerous times that there is nothing to clear because it's not a check. YOU have the money in your account already.

Each time she put me on hold for 15 minutes acting like she's looking into something, then gets back on the phone and says there's absolutely no one who has the authority to release the hold. When you make a payment over $300, "the system" automatically puts a hold on the funds and there's nothing to do to release except wait. Obviously I'm furious and explaining to her that I was never made aware of this, otherwise I would have made 2 equal payments to pay the $570.84 and I would have MY money! I don't need you to hold it. I have my own savings account.

Then she says they avoid giving that information out because they basically don't want people knowing. That's the dumbest thing I've ever heard!!!!!!!!! Given the fact that the whole point of the card is the use it up, pay it to $0 so it reports that way and establish a good payment history. I needed my card for rental and hotel and I was stuck this weekend because of dumb ass ONE UNITED BANK! Then I tell her if that's the case, why can't the $300 be released and the remainder be held. Because if I would have only paid $300, it would be available right now and I would NOT be on the phone with you. Of course she has no answer.

Each time I've called, these people just sound more and more like idiots. The number on the back of the card is not even Credit Card Customer Service. If you call them with questions, they tell you to call One United Bank. Then you call One United Bank and they say they're not the customer service for the cc, and the people at Unity Visa (the # on the back of the card) are wrong.

STAY AWAY FROM THIS CARD! IT'S DEFINITELY NOT WORTH THE HEADACHE!

I have never dealt with a bank that has 1 person working and nobody knows anything, and phone numbers don't match, and nobody can do anything, and I'm just assed out while you people have my money. ABSURD!!

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