Secured Card Program

Viriva’s Secured Credit Card provides many of the same features as our other Platinum programs. Use this account to establish credit, for no-credit applicants, or rebuild your credit.

A share pledge of 100% of your credit limit plus an additional $200 is required to open a Secured Credit Card. If you default on this account, Viriva will apply the shares pledged toward the repayment of any amount owed on your card.

 Terms & Condition

  • No annual fee
  • 25 day grace period for purchases
  • Low Monthly Payment – 3% of the outstanding
    balance or $25
  • Review account activities, check balances, and
    make payments within It’sMe247 Online Banking
    anytime and anywhere you an have Internet connection
  • Low balance transfer fee
  • Worldwide acceptance
  • Mastercard’s zero liability policy

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How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)

To obtain a copy of our Credit Card agreement disclosures please call us at 888-7-Viriva or 215-333-1201 for local calls. You can also email Please include your name, address, and daytime phone number in your request.

*The approval and the Annual Percentage Rate (APR) offered to you for this product will be based upon your credit evaluation. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the first business day of each calendar month (“Index”) plus a margin from 5.90-17.90 (for the Rewards Card Program), 3.90-15.90 (for the Low Rate Card Program), and 7.90 (for the Secured Card). The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. This disclosure is accurate as of February 1, 2018 and is subject to change after that date. To find out if any changes in this information have occurred, please call us at 888-7-Viriva (215-333-1201 for local calls), or write to us at 157 York Road Warminster, PA 18974