Credit Building
Credit, built the right way.
Establish, rebuild, or strengthen your credit with the right product and clear guidance.
Overview
About Credit Building
OBS Credit Building pairs a secured credit card, an optional credit builder loan, and personalised guidance to help you establish or repair your credit history.
Every on time payment is reported to the major credit bureaus.
Rates
Interest and APR
- Purchase APR
- 25.99%
Illustrative example
Fees
Fee schedule
- Annual fee (secured card)
- $0
- Late payment fee
- Up to $25
Illustrative example
Values shown are illustrative examples for this preview and do not constitute an offer, approval, or contractual quotation. Actual rates and fees depend on your profile, region, and eligibility.
How it works
Getting started
- 1
Open your OBS profile
Verify your identity and set up your account in a few minutes.
- 2
Add Credit Building
Enable credit building from your dashboard in one step.
- 3
Manage in one place
Everything lives inside your OBS profile, connected and searchable.
Eligibility
- Age 18 or older
- Government issued ID
- Bank account for the security deposit
Try the numbers
Estimate before you apply
Use the calculator below to model an estimate. Results are for guidance only and do not constitute an offer.
FAQs
Frequently asked
Still have a question? Message an OBS specialist from Secure Messaging any time.
Educational resources
Learn more before you decide
- Credit
Understand how credit works and how to strengthen your profile over time.
Ready to begin
Get Started
Open your OBS profile and add Credit Building in minutes.