Harley Davidson Secured Credit Card Approval Odds and Requirements

To increase your chances of getting approved for a Harley Davidson Secured Credit Card, you'll need to meet certain requirements.

The credit score requirement is 600 or higher, according to Harley Davidson's credit card issuer.

You'll also need to have a stable income and a good payment history.

Having a credit history of at least 6 months is also a requirement.

If you meet these requirements, you can apply for the Harley Davidson Secured Credit Card online or by phone.

You'll receive a Harley-Davidson Secured Credit Card if you're approved, and it's a great way to start building or rebuilding your credit.

The credit limit on the card is determined by your creditworthiness and the security deposit you provide, which can range from $200 to $2,500.

You'll need to make a security deposit to open the account, and this deposit will become your credit limit.

The Harley Davidson Secured Visa card has some decent benefits, but they're not as extensive as you'd find with other credit cards.

You can get your TransUnion credit score for free through Online Banking, and it's updated in real-time. This can help you track your progress and make informed decisions about your credit.

The card also offers $0 fraud liability, so you won't be held responsible for charges made if your card is lost or stolen.

Emergency cash and card replacement are available if your card is lost or stolen while traveling. This can be a lifesaver in a foreign country or at a remote location.

The auto rental collision damage waiver is a nice perk, covering you for damage or theft up to the actual cash value of most rental vehicles.

So, you're wondering how much credit you'll receive with this card. The credit limit is directly tied to the security deposit you put down, which must be between $300 and $5,000.

You'll need to deposit at least $300 to get started, and you can add more funds later to increase your credit limit, with a minimum addition of $100.

The good news is that adding funds is a soft credit pull, which won't affect your credit score.

To apply for the Harley-Davidson Secured Credit Card, you can only do so online by clicking the "Learn More" button on WalletHub or going directly to U.S. Bank's website.

You'll need to have a credit score of 300+ for high approval odds, as this card is designed for individuals with bad credit. Applying for the card triggers a hard inquiry, which may temporarily hurt your credit score.

You can apply for the Harley-Davidson Secured Visa card if you're at least 18 years old, but serious delinquencies on your credit report may result in a declined application.

Here's a step-by-step guide to apply for the Harley-Davidson Secured Credit Card online:

Once you've submitted your application, you may receive a decision right away, and if approved, you'll get your new card in the mail within 7-10 business days.

The odds of approval for the Harley Davidson Secured Visa card are high, but there are some requirements you'll need to meet. You must be at least 18 years old to apply.

If you have a poor credit history, you're likely to be approved, but serious delinquencies on your credit report can be a deal-breaker.

To apply for the Harley-Davidson Secured Credit Card online, you'll need to go to U.S. Bank's website or click the "Learn More" button on sites like WalletHub.

The application process is straightforward and can be completed in a few steps. You can find the application page on U.S. Bank's website by searching for it or by clicking the "Learn More" button on WalletHub.

First, you'll need to read over the terms and conditions of the card to make sure you understand how it works. This will give you a clear idea of what to expect from the card and its fees.

To apply, you'll need to fill in the requested personal information, including your name, address, phone number, SSN or ITIN, and date of birth. You'll also need to provide your financial information, such as your income, sources of income, employment status, and housing status.

The application will also ask you to authorize U.S. Bank to do a hard pull of your credit report, which will help them evaluate if you're qualified to get the card. Don't worry, this is a normal part of the application process.

Once you've filled out the application, double-check to make sure it's complete and all the information is accurate. This will help ensure that your application is processed quickly and efficiently.

Here are the steps to follow:

After submitting your application, you may receive a decision right away. If approved, you'll get your new card in the mail within 7-10 business days.

The application and approval process can take some time, but knowing what to expect can help you plan ahead.

The Harley-Davidson Secured card takes 7-10 business days to get, counting from the time of your application and after U.S. Bank receives your security deposit.

You'll need to wait a bit longer to start using your new card.

Once your application is approved, you can start enjoying the benefits of your new card.

There are 3 Harley-Davidson credit card options to consider, each with its own unique features and requirements.

The Harley-Davidson Visa Secured Card is a great option for credit beginners and second-chance seekers. It requires a minimum security deposit of $300, which matches your credit limit.

The H-D Visa Signature Card has no annual fee, making it a more attractive option for those who don't want to pay extra fees.

The H-D H.O.G. Elite Visa Signature Card, on the other hand, comes with an annual fee of $99, but offers more rewards and benefits to those who use it frequently.

Here's a brief summary of each card's annual fee:

The H-D Visa Signature Card and the H-D H.O.G. Elite Visa Signature Card both offer a sign-up bonus of 15,000 Genuine Rewards points, which can be redeemed for a $150 H-D Gift Card, after spending $500 in eligible net purchases within the first 60 days of account opening.

The Harley Davidson Secured Credit Card has a range of fees to be aware of. The annual fee is $0 the first year, and $49 after that.

You'll also need to consider the interest rate, which is 24.99% (Variable). This is higher than some other credit cards, so be sure to pay your balance in full each month to avoid interest charges.

There is no foreign transaction fee, which is a plus if you plan to use your card internationally.

If you're not paying attention to your payments, you'll be hit with a $38 late payment fee.

Taking a cash advance is also a costly move, with a fee of $10 or 3 percent, whichever is greater.

Foreign transactions will cost you 2 percent in U.S. dollars or 3 percent in foreign currencies.

You'll also be charged a returned payment fee of up to $35 if you bounce a payment.

The Harley Davidson Secured Visa card offers a credit limit of up to $5,000, which can be secured with a deposit.

Having a high credit limit can help lower your credit utilization ratio, a major factor in your credit score.

If you consistently demonstrate responsible card usage for 12 months, you may be able to graduate to the card's unsecured version.

This can open up access to higher rewards, a potentially lower interest rate, and a wider range of travel and card protection benefits.

Your deposit will be fully refunded if you do graduate to the unsecured version.

To open a Harley-Davidson Secured Credit Card account, you'll need to submit a security deposit, which can range from $300 to $5,000.

The security deposit is held by the issuer until they decide whether to approve or decline your credit card application. If declined, the full amount of the deposit will be refunded.

You can pay the security deposit with a cashier's check or money order, and it's used to secure your credit line. If you close your account, the deposit will first be applied to any outstanding balance.

You can deposit up to $5,000 for your Harley-Davidson Secured card, which is a great way to start building credit.

However, the deposit amount is refundable once you graduate to the unsecured version of the card after 12 months of responsible credit utilization.

This means you'll get your deposit back once you've demonstrated good credit habits.

Keep in mind that the deposit amount is a significant part of the card's credit limit, so make sure you're comfortable with the terms before applying.

If you've decided to close your Harley-Davidson Secured Credit Card account, you'll want to know what happens to your security deposit.

The security deposit is first applied to any outstanding balance on the account. If there's anything left over, it is refunded to the cardholder.

If you're wondering how much you can deposit, the minimum is $300, and you can go up to $5,000.

If your credit card application is declined, the full amount of the deposit will be refunded to you.

To apply for the Harley-Davidson Secured Credit Card, you'll need to go online through the U.S. Bank website or by clicking the "Learn More" button on sites like WalletHub.

The application process requires filling out personal information, including your name, address, phone number, SSN or ITIN, and date of birth, as well as financial information like your income, employment status, and housing status.

Here's a step-by-step guide to help you apply:

If approved, you'll get your new card in the mail within 7-10 business days.

The Harley-Davidson Secured Credit Card has a guaranteed-approval-like feature, but it still requires a credit check, so recent bankruptcy and open tax liens can be red flags.

You can check your credit score and report for free on WalletHub to see exactly where you stand and identify issues that might prevent you from getting the Harley-Davidson Secured Visa.

The Harley-Davidson Secured Credit Card is one of the few free paths to better credit, with no annual, monthly, or one-time fees, saving you about $22.02 per year compared to the average credit card.

Just having an open credit card in good standing will result in positive information being added to your credit reports each month, thus devaluing any negative records already in there.

Secured cards are designed to be paid in full every month, so carrying a balance from month to month would be like charging yourself for a loan.

The average secured card has an 22.5% APR, and the Harley-Davidson Secured Card charges far more.

Here's a quick comparison of some secured cards' deposit requirements:

The Harley-Davidson Secured Credit Card's $300 requirement isn't terrible, considering some other secured cards demand deposits of at least $600.

You might think that only Harley owners and fans would benefit from the Harley-Davidson Secured Credit Card's offer of 1 point per $1 spent, but you can always sell those gift cards online if you're not interested in Harley gear.

To apply for the Harley-Davidson Secured Credit Card, you need to go online. You can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to U.S. Bank's website.

The application process is straightforward, but it's essential to understand the requirements. You'll need to have a credit score of 300 or higher for high approval odds.

To apply online, follow these steps:

After submitting your application, you may receive a decision right away. If approved, you'll get your new card in the mail within 7-10 business days.

If you're considering the Harley-Davidson Secured Credit Card, you might want to explore other options. The Discover it Secured Credit Card has a slightly higher rating of 4.7 on WalletHub, indicating it's a good choice for improving credit by paying in full each month.

The OpenSky Plus Secured Visa Credit Card is another alternative, with a rating of 3.9 on WalletHub. It requires a minimum deposit of $300, just like the Harley-Davidson Secured Credit Card.

You can compare the features of these cards in the table below.

Both the Discover it Secured Credit Card and the OpenSky Plus Secured Visa Credit Card have an annual fee of $0, which is a great perk for those looking to save money.

The Harley Davidson Secured Credit Card has an annual fee of $0 for the first year, and $49 thereafter.

You can earn 5% cash back on Harley-Davidson purchases, 2% cash back on gas and insurance, and 1% cash back on all other purchases.

The credit limit for this card is $1,000, which is secured by the deposit you make.

You'll need to make a deposit of $1,000 to secure the credit limit, and you can use a bank draft, money order, or a certified check.

The deposit will be held as collateral and will be refunded when you close the account or pay off the balance.

You'll be responsible for paying off the balance in full each month to avoid interest charges.