4 ms·Plus 28% APR, though I can't imagine holding a balance on a secured card.by entropea 7y agoPlus 28% APR, though I can't imagine holding a balance on a secured card.fjsolwmv 7y agoSecured cards are held by irresponsible people who carry balances. Otherwise they would get unsecured cards.entropea 7y agoHolding a balance does not mean you're irresponsible, it just means you will be paying interest.