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Mid America Bank & Trust Company

Mid America Bank & Trust Company

Mid America Bank & Trust Company has more than 85 years in the banking industry. They offer personal banking and credit cards. Busy consumers have a 24/7 online account access. Mid America Bank & Trust Company is an FDIC member which means your accounts are insured. In terms of their credit cards, they offer a wide variety and do not discriminate against those with bad credit, even if you have had a previous bankruptcy. You may even be able to get an instant response depending on which card you apply for. These credit cards come with additional benefits including a Zero Liability policy which ensures you will never be responsible for unauthorized charges. You can also customize your card. These cards are branded with the MasterCard logo and come with all the benefits of a MasterCard including worldwide acceptance.
Mid America Bank & Trust Company CREDIT CARDS
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
23.9%
$35 - $99*
Yes
Credit Recommended: Fair / Good
APPLY NOW
Read more about the card
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
Yes
Credit Recommended: Fair/Bad
APPLY NOW
Read more about the card
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
23.9%
$35 - $99*
No
Credit Recommended: Bad/Poor
APPLY NOW
Read more about the card
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
Yes
Credit Recommended: Fair/Bad
APPLY NOW
Read more about the card
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
23.9%
$35 - $99*
No
Credit Recommended: Fair / Good
APPLY NOW
Read more about the card
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
23.9%
$35 - $99*
Yes
Credit Recommended: Fair / Good
APPLY NOW
Read more about the card
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
23.9%
$35 - $99*
Yes
Credit Recommended: Bad/Poor
APPLY NOW
Read more about the card

All about Mid America Bank & Trust Company Credit Cards

Mid America Bank & Trust issues several credit cards for people with bad credit. You may be approved even if your credit score is under the 600 score range. This opportunity does not come without a price though. You may be looking at high interest fees as well as varying annual fees. Some of the cards they offer include Milestone MasterCard and Total Visa.

Their cards may have additional fees like one-time processing fee and monthly participation fee, which can make Mid America's credit cards quite expensive. That's the price for your bad credit. However, it is possible to lower a bit your credit expenses by paying off the card balance each month by the due day. Thus, you can save on interest.

Mid America Bank & Trust Company credit cards do not charge the highest fees. The cards give you an undeniable opportunity to rebuild your credit score and later qualify for less pricey credit card offers.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

What kinds of credit cards does Mid America Bank offer?

Mid America Bank & Trust Company offers credit cards to people with limited or damaged credit. The credit cards are issued in partnership with different companies that service credit card products. This bank also issues the credit cards helping consumers to establish or rebuild their credit.

What is APR? What will my interest rate be?

The annual percentage rate or APR is a numeric representation of a credit card’s interest rate that you’ll pay annually. Your interest rate will be determined by a bank or a credit card issuer based on your creditworthiness and your credit score. However, some credit cards come with a fixed interest rate, which means your interest rate will be the same as it is advertized. And there are cards with introductory APRs. Introductory APRs are usually lower than regular interest rate but only for a limited time period and apply to specific transactions only.

My credit is very poor. How can I build a good credit?

One of the ways to build good credit is to use a credit card that is reported to all three major credit bureaus monthly. You can improve your credit simply by making all due monthly payments on time and keeping your balances low. The payment history makes 35% of your FICO credit score, so paying on time is very important. If you have other credit account, don’t forget to keep them in good standing as well. Keeping one credit account in good standing and defaulting on the others won’t do any good to your credit score.

What do I need to qualify for their credit card?

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.