Credit Cards for Fair Credit

• Build up your credit with a card that reports to all three major credit bureaus every month.
• You may be eligible for a Credit Line Increase after six months
• Perfect credit not required for approval; we may approve you when others won’t
• Checking account required.
• If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit)
• Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online

Reviewing The First Digital NextGen Mastercard Credit Card

Many consumers have had a difficult time building credit and want to take steps to enhance improve credit profile. Using a credit card in a responsible manner could assist them in reaching this goal. You don’t need good credit to be approved for the First Digital NextGen Mastercard Credit Card but you will need a checking account to be considered. The card is issued by the Synovus Bank.

Main Benefits Of The First Digital NextGen Mastercard Credit Card

If you make your payments on time and stay within your established credit limits, using a card like the First Digital NextGen Mastercard Credit Card may help you build your credit profile. Since the card reports your account activity to the three major credit bureaus each month, your timely payments will be noted by these agencies.

The First Digital NextGen Mastercard Credit Card has an initial credit limit of $300. Higher credit limits may be granted after six months of being a cardholder.

The card has a very easy-to-navigate application process, so applicants may find out relatively quickly whether they were approved.

Main Drawbacks Of The First Digital NextGen Mastercard Credit Card

The First Digital NextGen Mastercard Credit Card has a number of fees that consumers will be charged. The annual fee during the first year is assessed before you start using your card, thus lessening your credit limit during the first month. The annual fee does drop slightly in subsequent years; however, a fairly steep monthly fee is assessed in year two and beyond. There is also a one-time program fee. Whenever your account is approved for a credit limit increase, a credit limit increase fee is imposed. So if you are granted a credit limit increase, your initial increase would be the full amount minus the fee.

The APR on the First Digital NextGen Mastercard Credit Card is one of the highest on the market.

Who The First Digital NextGen Mastercard Credit Card Is Right For?

If you have struggled with your establishing a solid credit history, you need some tools to help build your credit score. Being approved for a credit card that reports to the three major credit bureaus can be beneficial, as long as you make your payments on time every month and stay within your credit limit. The First Digital NextGen Mastercard Credit Card can help consumers, but consumers need to be informed of the very high rates and fees associated with this card.

• Easy pre-qualification process with fast response
• Don’t have perfect credit? No problem!
• 24/7 access to your account, even on mobile!
• No security deposit
• Account history is reported to the three major credit bureaus in the U.S.

• See if you’re Pre-Qualified with no impact to your credit score
• All credit types welcome to apply
• Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
• Monthly reporting to the three major credit bureaus
• Fast and easy application process; results in seconds
• Use your card at locations everywhere Mastercard® is accepted
• Checking Account Required

Reviewing The Surge Mastercard

Many consumers have poor credit and are actively trying to improve their credit profile. The responsible use of a credit card may help them achieve this goal. The Surge Mastercard was created for people who have less than perfect credit. The card is issued by the Celtic Bank.

Main Benefits Of The Surge Mastercard

If you’re trying to build or re-establish your credit, getting a card like the Surge Mastercard may help, provided you make your payments on time and your balance stays under the designated credit limit.

The Surge Mastercard reports to all three major credit bureaus on a monthly basis, so any positive steps taken to build your credit will be noted by these agencies.

The card has one of the higher initial credit limits of cards designed for people who have struggled with their credit. And that credit limit may be increased after a year of on-time payments. However, the initial credit limit will be a function of your credit worthiness. Celtic Bank may require a security deposit in order to open your account.

The Surge Mastercard has a relatively easy application process, and applicants may hear whether they were approved fairly quickly.

Main Drawbacks Of The Surge Mastercard

This card has a substantial annual fee for the first year and this annual fee is assessed before you start using your card, thus lessening your credit limit during the first month. The annual fee does drop slightly in subsequent years; however, a fairly steep monthly fee is assessed in year two and beyond.

The APR on the Surge Mastercard is among the highest on the market.

If a security deposit is required due to your credit worthiness, this will make the Surge Mastercard a secured card.

Who The Surge Mastercard Is Right For

Consumers trying to build or re-establish their credit need tools to help them. A credit card that reports to the three major credit bureaus can be beneficial, but it is critical to make payments on time and stay within the designated credit limit. The Surge Mastercard can help consumers, but cardholders must be aware of the extremely high rates and fees associated with the card.

• Get the security and convenience of a full-featured, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
• Reporting monthly to all three major credit reporting agencies
• Perfect credit not required for approval; we may approve you when others won’t
• Easy and secure online application
• $300 credit limit (subject to available credit)
• Receive your card more quickly with optional Expedited Processing (additional fee applies)
• Get a result in as little as 60 seconds upon completion of the online application
• Select your favorite card design from our gallery, for free!
• 24/7 mobile account access with no security deposit required
• $0 fraud liability if your card is lost or stolen
• All credit histories considered for this no security deposit credit card
• Online Customer Center available 24 x 7
• Issued by The Bank of Missouri

Reviewing The First Access Visa Credit Card

So many people throughout the country have experienced tough financial times, and their credit score may reflect this. The First Access Visa is a credit card to help people in this situation. For those consumers aiming to build or re-establish their credit, getting a card like the First Access Visa Credit Card may help, as long as you make your payments on time and keep your balance within the designated credit limit. The card is issued by the Bank of Missouri.

Main Benefits Of The First Access Visa Credit Card

The First Access Visa Credit Card exists to help people with less than perfect credit. The activity on your account will be reported each month to all three major credit bureaus, so this can help increase your credit and start to build a better financial future.

The card is backed by Visa, so it is accepted at nearly every merchant throughout the United States.

The First Access Visa Credit Card does not require a security deposit since it is an unsecured credit card. Unlike some applications, this card has a very easy-to-understand application process, and consumers will find out within 60 seconds if they were approved.

Applicants are not locked in to one design on their card; you can choose from six different images.

Main Drawbacks Of The First Access Visa Credit Card

This card has extremely high fees which the consumer needs to be aware of when submitting an application.

Cardholders must pay a relatively high, one-time program fee once you are approved for an account. In addition, there is an annual fee on the First Access Visa card which is charged when you open the account and reduces your initial $300 credit limit accordingly.

In the second year, there is a reduced annual fee, but a monthly maintenance fee begins during year two.

Finally, the APR on the First Access Visa card is one of the highest in the credit card industry.

Who The First Access Visa Credit Card Is Right For

One of the better financial tools to building or re-establishing credit is to obtain a credit card and use it properly. That means paying off the bill on time and hopefully, in full, each and every month. The First Access Visa card can help consumers build credit, since it reports to all three major credit bureaus. But since the card has a very high interest rate, it is extremely important for cardholders to not carry a balance from one month to the next.

• Instant pre-qualification is available for those who qualify
• Less than perfect credit is okay
• Access your account online or from your mobile device 24/7
• Choice of card image at no extra charge
• Account history is reported to the three major credit bureaus in the U.S.

*Dependent on credit worthiness

• Checking Account Required
• Fast and easy application process; response provided in seconds
• A genuine Visa® card accepted by merchants nationwide across the USA and online
• Manageable monthly payments
• $300 credit limit (subject to available credit).
• Reports monthly to all three major credit bureaus
• Select your favorite card design from our gallery, for free!

Reviewing The Total Visa Credit Card

So many credit cards are marketed with attractive rewards such as cash back, points or miles. But those cards are for people with good or excellent credit. A tremendous number of consumers have low credit scores and may not qualify for a majority of credit cards. The Total Visa Credit Card is a card that exists for people with less than average credit. The card is issued by the Bank of Missouri.

Main Benefits Of The Total Visa Credit Card

The Total Visa Credit Card is a card that could help build your credit with responsible use. Consumers that have a poor credit score or a limited credit history may be approved for this card.

The card reports to all three major credit bureaus so you may be able to improve your credit score by making timely payments each month.

One of the advantages of the card is the easy application process. In addition, applicants receive word of their acceptance or denial in a matter of seconds. It is also an unsecured credit card, so it doesn’t require a security deposit upon approval.

The card has no cash advance fee during the first year; after that, there are fees for any cash advance.

The Total Visa Credit Card is backed by Visa, so it is accepted throughout the country by most merchants, which makes using the card very convenient.

Consumers can choose from six different images on their card.

Main Drawbacks Of The Total Visa Credit Card

This card has a number of fees associated with it, many of which are significant.

If you are approved as a cardholder, you must pay a high program fee. This is a one-time charge. Then, there is an annual fee for the first year which is assessed before you use your card, so it reduces your initial $300 credit line.

In year two, the annual fee drops, but is effectively replaced by a monthly maintenance fee.

The APR on the card is one of the highest in the credit card industry.

Who The Total Visa Credit Card Is Right For

Consumers who are struggling with their credit need assistance in building a credit score. Having a credit card that reports to the three major credit bureaus can help, but only if you make every one of your monthly payments on time. The Total Visa Credit Card can help consumers with this quest, but cardholders must be aware of the high fees associated with the card.

• All credit types welcome to apply!
• Monthly reporting to the three major credit bureaus
• Initial Credit Limit of $400.00!* (subject to available credit)
• Fast and easy application process; results in seconds
• Use your card at locations everywhere that Mastercard® is accepted
• Free online account access 24/7
• Checking Account Required

Reviewing The Fit Mastercard

The Fit Mastercard is designed for people who have less than perfect credit. If you are trying to build or re-establish your credit, getting a card like the Fit Mastercard may help, provided you make your payments on time and your balance stays under the designated credit limit. If you have great credit, you are still welcome to sign up for the credit card. Everyone is welcome to apply.

Issued by the Bank of Missouri, the Fit Mastercard starts with a small credit limit that is designed to give you some flexibility when using the card. Make small purchases, pay them off on time, and repeat the process. Stay under the credit limit to avoid over-the-limit fees and dings on your credit report. As you pay off the balance and show you can use the card responsibly, your credit score could improve.

The Bank of Missouri is an independent community bank. The Fit Mastercard division partners with Continental Finance, a leader in credit cards for those with less-than-perfect credit histories. Both companies strive to make customers feel like they have been treated fairly, respectfully, and are valued even if they have struggled in the past to build a strong credit history. Here is a closer look at the pros and cons associated with the Fit Mastercard.

Main Benefits Of The Fit Mastercard

Fit Mastercard has an incredibly easy application process that will not challenge applicants. To apply online, you enter your name and contact information, answer the question about having an active checking account, certify that you are a U.S. resident and verify your age. Be mindful of your state laws as the legal age to apply for a credit card can be different from one state to another. Your Social Security number, estimated gross monthly income, and date of birth are all required to apply. Once you complete the application and submit it, you should have an answer online instantly. In some cases the bank will require more information from you to complete your application, in that case, it could take up to 30 days to have a decision. Once approved, there will be a processing fee you will need to pay to activate your account. Within three business days of approval, they will mail your credit card and welcome package.

Information regarding your credit limit, amount of used credit, and payment history will be reported to all three main credit reporting agencies, which builds your credit history. Pay your Fit Mastercard bills on time and use the card responsibly and that could help raise your credit score. Each step you take to show you are responsible with your finances is reported to Equifax, Experian, and Transunion. 

Fit Mastercard also allows you to see your credit score every month if you enroll in e-statements. You will be able to track the changes in your credit score with ease. Keep your eye on your score. If you find your score falls and you are not sure why, your credit score can act as an alert for you to start checking your credit accounts for charges that you did not authorize, or missed payments, etc. Keeping an eye on your credit score can help you make decisions to benefit your score.

The initial credit limit on the Fit Mastercard is relatively low and there are a few reasons for that. If you have bad credit when you get the card it may be because you have had financial hardships in the past and the bank takes that into consideration when extending you a credit line. They give you a lower credit line so that you can work on building a positive credit history, with responsible card use. The good news is that it is not so low that you will never be able to use it, you will have plenty of opportunities to use the card. After six months, you will have made several payments and should have a solid understanding of how a credit card works. At that point, you can request a free account review to see if you qualify for a credit line increase. Keep using the card responsibly and your credit score could improve. Over time, if your credit score improves it could open the door to other favorable credit and loan options that may not have been available to you before.

With the Fit Mastercard, you have access to free online account access 24/7. This is ideal for checking your balance, seeing if a payment has cleared, making your monthly payment, or paying off the balance. You do still get a monthly statement in the mail unless you go online and switch to e-statements. If you would like to manage your banking on your smartphone, Fit Mastercard has an online banking app for Android and iOS devices. Use it to check that payment has cleared, see what your credit balance is, reach out to customer support, or handle many other of your banking needs.

If someone steals your credit card number, the card comes with $0 Fraud Liability. Check your purchase history regularly and report unauthorized purchases as soon as you notice them. If you did not authorize a specific transaction, you will not be held responsible for it. You can make online purchases with confidence knowing that if there is a website breach, you won’t be paying for fraudulent transactions.

Main Drawbacks Of The Fit Mastercard

Those are the benefits of the Fit Mastercard. What are the drawbacks? Many credit cards that are offered to those with poor or limited credit come with fees and the Fit Mastercard does as well.

The fees with the Fit Mastercard are significant. You pay an application fee and a yearly fee. After the first year, you also pay monthly maintenance fees. If you want to add an additional user to your account, there is another fee for that. There are fees for cash advances, foreign purchases, late payments, and return payments. The additional card fee and annual fee are deducted immediately from your credit limit. If you get the maximum $400 limit, the fees are deducted from that limit, which leaves you with less spending power until you’ve paid enough to cover the fees.

A high APR is another drawback of this credit card. It has one of the highest interest rates in the credit card industry. If you do make minimum payments rather than paying off your charges each month, your interest charges could be significant.

Make sure you understand the terms and ask if you don’t. Take the time to read the terms and conditions. People often skip the fine print. While fine print may not be fun to read, it is important. It is how you learn the way the card works, the fees that are associated with the card and even the benefits that the card comes with.

You do need to call to activate your Fit Mastercard when it arrives. Cards must be activated within 30 days of receipt or the account will be closed. Online activation of new cards is not possible. 

Who The Fit Mastercard Is Right For

The Fit Mastercard is designed for people with bad credit or no credit history. You do need to keep the fees and interest rates in mind if you apply. Weigh the benefits of the card with the fees that you may incur to be sure the card fits your credit needs. Should you have questions or not understand something about your bill, online account access is a good way to reach customer support. There is also automated phone support and toll-free support with customer care specialists. With several toll-free numbers, answers to your questions or help with problems isn’t a hassle.

Using the Fit Mastercard responsibly is one step you can take to improving your credit score. Pay your bills on time, try to mix up the types of credit you use (car loans, mortgages, credit cards, etc.), keep making on-time payments, and aim for spending no more than 30% of your credit limit. If you need a credit card to help improve your credit, if used responsibly, the Fit Mastercard could be a viable option.

• Pre-qualifying today will not affect your credit score
• Less than perfect credit histories can qualify, even with prior bankruptcy!
• Mobile friendly online access from anywhere
• Fraud protection for stolen or lost cards
• Account history is reported to the three major credit bureaus in the U.S.