First Access Visa® Card
Perfect credit not required for approval; we may approve you when others won’t
Fair/Bad
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CARD TYPE: UnsecuredUnsecured credit cards offer a revolving credit line and not requiring an initial deposit.
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WHO CAN GET IT: ConsumerThese credit cards are for the average consumer who needs a credit card for personal use.
- 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
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
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PURCHASES
- Intro APR on Purchases:
- N/A
- Regular APR:
- See Terms
- Minimum Grace Period:
- See Terms
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BALANCE TRANSFERS
- Intro APR on Balance Transfers:
- N/A
- Regular APR:
- See Terms
- Balance Transfer Fee:
- See Terms
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CASH ADVANCE
- Intro APR on Cash Advances:
- N/A
- Regular APR:
- See Terms
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FEES
- Annual Fee:
- See Terms
- Application Processing Fee:
- See Terms
Questions & Answers about the card:
Most credit card issuers use FICO scoring system to make an approval decision. According to the FICO credit score range, fair credit falls between 640 and 699. If your credit score falls within this range or close to this range, then your credit can be considered fair. Some credit card issuers have their own criteria to determine an applicant’s credit but as a rule the FICO score is used in most cases.
When you want to lower the interest rate on your credit card, you can contact your credit card issuer and ask them to lower your interest rate. Most banks will approve your request provided your credit account is in good standing and you don’t have late fees. Another way to lower your interest rate is to transfer your card balance on a new credit card with lower rate. Before you do it, make sure the new card is indeed a better deal.
Having bad credit is even worse than having no credit at all because you already lost your credibility. However, it doesn’t mean you will never get approved for a credit card gain. Working hard you will be able to gain your credibility back. To start with, we would recommend you to check your credit reports. Get a copy of your credit report from each of the three major credit bureaus (Equifax, Experian and TransUnion). Look for any inaccuracies or outdated information. If you see errors, dispute them with credit bureaus. If you see credit inquiries from companies you do not recognize, dispute them as well. Once your report is clear and updated, you can apply for a credit card. A secured credit card is the best option for people with bad credit because secured card are created for people with bad credit. The cards are usually reported to all three major credit bureaus allowing you to improve your credit.
The general requirements to qualify for a credit card are as following: you should be at least 18 years old (19 if you live in Alabama), have a valid social security number, physical address and a stable income. You may have bad credit, limited credit or no credit at all and still qualify for a card provided the card is aimed at people with poor credit. Some cards come with pre-qualification which doesn’t impact credit scores. This feature will allow you to see if you qualify for an offer or not.