Bank of StocktonSecured Visa credit cardRegistry illustration · issuer artwork unavailable

Secured Visa credit cardBank of Stockton · NM bank, CA · FDIC 1536

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

—

Balance transfer

—

Cash advance APR

19.99%

p.1fixed

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	19.99%Bank of Stockton · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“19.99%”Bank of Stockton · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	$7Bank of Stockton · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$7”Bank of Stockton · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	—	no source read

Secured Credit Card Agreement and Disclosurepage 1 of 7

SECURED CREDIT CARD AGREEMENTANDDISCLOSURE

Chteres Rates and nterest APR forcera Rate · 19.99% APR for Cash Advances · 19.99% How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00 For Credit Card Tips from The Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

F Set-up and Maintenance Fees : Annual Fee · $39.00 FOR SECURED VISA : Account Set-up Fee · $0 : Participation Fee · $O . Additional Card Fee · $O Transaction Fees . Balance Transfer · Non-Applicable . Cash Advance · Either $8 or 3% of the amount of each cash advance, whichever is greater . Foreign Transaction · l% of each transaction in U.S. dollars. Penalty Fees . Late Payment · $7 . Over-the-Credit Limit · $0 . Returned Payment · $O

How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). See Bank of Stockton's Credit Card Agreement and Disclosure for more details.

Billing Rights: See Billing Rights Summary section of Bank of Stockton's Credit Card Agreement and Disclosure for important information regarding your rights to dispute transactions and billing errors, and how to exercise those rights.

1 2 3 4 5 6 7Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Bank of Stockton
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“19.99%”
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Bank of Stockton
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$7”
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Bank of Stockton
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Bank of Stockton
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Cash advance APR, Late payment fee

Offered through: Bank of Stockton
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 1536
Branches: 21 in CA
Sources: Official issuer · 1 document · 1 page cited

Documents

Secured Credit Card Agreement and Disclosureeffective date not parsed

Secured Visa credit cardBank of Stockton · NM bank, CA · FDIC 1536

Rates and fees