Start with a clean slate.

Good news for SEIU members who have poor credit or little or no credit history: The Union Plus Secured Credit Card offers an opportunity to establish or re-establish a clean credit record - and it's a better deal than other secured credit cards, which often charge high annual and other fees.

The card is granted to approved members who make a deposit in an interest-bearing savings account. After 18 months of on-time payments, members are eligible to be reviewed for the regular Union Plus Credit Card.

The Union Plus Secured Credit Card benefits include:

• The Secured Credit Card gets reported to the credit bureau as a regular credit card, so other creditors who review your credit will see that you were issued a major credit card - meaning you can build or repair your credit report
• Deposit anywhere between $250 and $5,000 in an interest-bearing Secured Credit Card savings account, then charge against this line of credit every month
• No application fees
• A competitive fixed Annual Percentage Rate (APR)
• A low annual fee
• Eligibility to be considered for the regular Union Plus Credit Card after 18 months of on-time payments