New Millenium Bank Credit Cards

New Millenium Bank offers secure credit cards, and you are approved regardless of credit history.

New Millennium Bank Secured Black Diamond Visa® or Mastercard®
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
n/a	19.5%	see terms	2%	$20	$59
New Millennium Bank has guaranteed your credit approval for up to $10,000* (with both cards) in secured credit! Build or rebuild your credit the SMART way with a NMB Secured Black Diamond Visa® or Mastercard® credit card! Approved regardless of credit history Credit limits up to $10,000* Reports to all 3 bureaus Get cash at over 740,000 ATMs No credit check * Terms and conditions apply.

New Millennium Bank Secured Platinum Visa® or Mastercard®
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
n/a	19.5%	21.99%	3%	$15+	$55
New Millennium Bank has guaranteed your credit approval for up to $10,000** (with both cards) in secured credit with no credit check! GUARANTEED ISSUE COMPLIMENTARY ONLINE SERVICES FOR ACCOUNT MANAGEMENT AND PAYMENTS NO CREDIT CHECK BE APPROVED REGARDLESS OF INCOME or CREDIT HISTORY REPORTS TO THE THREE MAJOR CREDIT BUREAUS

New Millennium Bank Secured Gold Visa® or Mastercard®
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
n/a	n/a	21.99%	3%	$15+	$55
New Millennium Bank has guaranteed your credit approval for up to $10,000* (with both cards) in secured credit!  Build or rebuild your credit the SMART way with a NMB Gold secured credit card! Approved regardless of credit history Credit limits up to $10,000* Reports to all 3 bureaus Get cash at over 740,000 ATMs No credit check

Millennium Advantage Pre-Paid MasterCard®
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
see terms	see terms	see terms	see terms	see terms	see terms
Use your card at over 900,000 ATMs and millions of locations worldwide! No credit check or income verification required No Chexsystem check No minimal balance required! Phone and On-line account access Shop and pay bills on-line!

The New Millennium Bank Platinum Visa®/MasterCard®, issued by New Millennium Bank, is designed for those with limited or poor credit who may be having a difficult time in obtaining a standard unsecured credit card.

Most often, secured credit cards do not have any additional perks or benefits, however, this card does provide several benefits including auto rental insurance, up to $100,000 in travel accident insurance, and an extended warranty for purchases. The card also provides cardholders with a free membership to TheWorldsBestTravelClub.com, which offers discounts on a variety of travel services. Perhaps the best benefit is the free companion air ticket, which is awarded to the cardholder after they have been approved for the card.

Although the APR applied to purchases is above average for a secured card, this card does apply interest to the deposit amount required to secure the account, which is a nice benefit. In addition, the rates of return that are applied to the deposit are higher than what most secured cards have to offer. This card also has a no credit check and a no turndown policy.

There is an annual fee of $59, which is slightly above average for a secured card, as well as a one time processing fee of $69.95 ($99.95 if the applicant would like to be issued both a Visa® and a MasterCard®).

It is important to note that a major drawback to the card is that there is no grace period for purchases. This means that interest will be applied immediately to any charges made with the card.

Therefore, those who do not mind accumulating finance charges once a transaction is posted, can afford the $300 minimum deposit, and need to establish credit, will benefit most from what the New Millennium Bank Platinum Visa®/MasterCard® has to offer.

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