BEAVERTON, Ore. - First Consumers National Bank is offering card- related services on the Internet in both English and Spanish.

Concentrating on secured credit card accounts, the bank owned by Spiegel Inc. includes in its World Wide Web site (address advice on obtaining credit, using it wisely, and establishing a credit history.

Consumers may also request an application form from First Consumers. The bank claims to have one of the first commercial bilingual web sites, and the only one addressing secured cards.

First Consumers' secured MasterCard has a $100 minimum deposit requirement, which the bank says is the industry's lowest.

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