Build or repair your credit with the 

NorthPark Secured VISA Credit Card

A credit card where you make a security deposit to set your credit limit.

Card with Chip


No credit check



No annual or reoccurring fee


Credit limit starting at $500

Help Credit

Monthly credit bureau reporting


Apply Now


How to build credit with the NorthPark Secured VISA Credit Card


Use your card in-store and online

Spend only what you can pay back.


Keep your monthly balance low

Below 50% of your credit limit is a good practice.


Make your payment on time each month

Check the due date in the app or online banking at

Report Payments

We'll report your payments
Each month we'll report your payment history to the 3 credit bureaus.


Watch your credit build
Your credit score can increase with responsible use over time.

Your credit score and why it matters


Credit score
Your credit score is based on a number of factors, which includes payment history, the amount owed, and length of credit history. 


Credit reporting
We report your credit standing to the 3 credit bureaus every month – Experian®, Equifax®, and TransUnion®. A history of good credit standing can help you build credit.


Benefits of credit
A good credit score can help you get lower interest rates from creditors. Good credit can also help when applying for an apartment or a job and may reduce security deposit requirements on new loans or services.