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Since your loan is totally secured by your savings account the bank won't even make a credit or employment check. Take the $100 loan, go to another bank and do it all over again. Go to at least 3 banks doing the same thing. Ask for a 6 first national credit card or 12 month payment plan for each loan and take your payment account passbook with you each time you ask for a loan because you'll have to surrender it to the bank in order to get the loan.
Under the fair credit and charge card disclosure act, you can compare terms and fees before you agree to open a or charge card (no interest) account. Be sure to consider and compare the following terms that first national credit card direct-mail applications and pre-approved solicitations must reveal.
