Terms and Conditions Security Deposit for FIDC Savings Account- $200 If I do not have $200 for the deposit than they will take the balance from the card. Annual Fee- $90 will be billed in monthly installments of $7.50. If the account is terminated before the full amount of the Annual Membership Fee has been paid, the bank may bill the unpaid portion to your account. Finance Charge- 19.80% Late Payment Fee- $29.00 Over the limit Fee: $29 Replacement Card Fee- $25.00 I can not get approved for unsecured card. Does this sound like a bad deal? The more I read the fine print it seems that this account has a lot of upfront fees.