You can carry on your banking activities by your mobile phone is known as mobile banking.

APR is abbreviation  annual percentage rate.  The annual percentage rate, or APR, is the interest rate charged on the amount borrowed. It reflects the annual cost of borrowing money.

Yes many bank offer secured credit card. There are two meaning for this. One they are secured from theft, loss etc I think all credit cards are insured from such risks. Other meaning of the secured credit card is that cards are issued against some guarantee or security. In the bank is not sure about the credit history of a person It can ask for such grantees.

It is also know as current account. In checking account bank do not pay any interest. Rather bank charges the account holder a bank charges for maintenance of current account. In most of the case the account is opened by business entity.