Must be an ESL Federal Credit Union member. ESL Visa Secured Credit Card is a practical option for establishing or restoring credit. Your credit line is based on the amount of money you deposit as collateral in an ESL Secured Credit Card Savings Account. Grace period is at least 25 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay the entire balance by the due date each month. International Service Assessment Fee: 1% of transaction amount. Penalty APR: 18%; If your APRs are increased for the reason stated, the Penalty APR will be applied until the billing cycle after your past due status is corrected.