Make an informed decision and google unity visa complaints, scam.If you don't have much time, scroll down to --- "What they're doing"If this review offers -5 stars that would be what they deserve.First, this "black bank and team" DO NOT EVEN HAVE a way to pay via their website when initially they had it. Initially they did.This is simply a SCAM.Get your secure card with an established bank, like Wells, Discover, etc.As well as the card and reason why they don't even accept payments online is simply private labeled services.Only way to pay is via mail and if you have a checking account, the payment from any bank takes at least 2 weeks to post.A company that is from Boston, makes you send payments to Tampa Bay, Florida.... why, is a "generic billing center" like their "generic call center as well" that they answer with company name of whatever their computer screen shows.Customer service is also a "generic call center" and they have no clue about his product scam. So save your time and contact www.consumer.ftc.gov/articles/0048-government-imposter-scamsThey will not solve your questions or problems.I closed the account over 60 days ago, as as most "legit" secure cards, they apply your deposit towards the balance.They will not tell you neither via mail, nor email --as they finally claimed they do and will have IT track the email, (only time they supposed to use email to communicate), as indeed they don't want the mess and scam they have with documented trace. But claiming they sent an email and they don't send direct mail like every statement (except the closing confirmation of the account), but 4 to 6 weeks later, they will send that you still own money and claim emails with confirmation were sent as well as continuous monthly statements. They don't send it so people using this "black card"By the way, if they finally call you will be from another location (Huntington, CA). Kyle Robinson (I recorded her conversation to share with consumer reporting agencies), with a Jerry Springer, show attitude and tone of voice, that you will never be right, she is. Once you say you complaint to the FTC, Better Business Bureau, and many other agencies -- which by the way, BBB never gets an answer from One United / Unity Visa because they can not follow up with their hired outsourced customer service numbers and transfers.---- What they are doing (holding you hostage), is making your account default (even if you had a positive balance when closed), hence why they do not send you any confirmation and/or communications for over 60 days. That way they can keep the deposit, have a partnership with collection agency, get a second income from selling the account to the collection agency, and they make almost double from the initial deal. Plus indeed will have a very bad influence in your credit report.Stay 100% away from Bank United Bank and Unity Visa. Don't even consider it.Don't fall for what I believed & mistake. Hundreds of other people did.Good luck!