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FIT™ Platinum Mastercard®

Monthly reporting to the three major credit bureaus

Credit Recommended:


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    CARD TYPE: Unsecured

    Unsecured credit cards offer a revolving credit line and not requiring an initial deposit.

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    WHO CAN GET IT: Consumer

    These credit cards are for the average consumer who needs a credit card for personal use.

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • 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 Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required
    Intro APR on Purchases:
    Regular APR:
    35.90% Fixed
    Minimum Grace Period:
    See Terms*
    Intro APR on Balance Transfers:
    Regular APR:
    Balance Transfer Fee:
    Intro APR on Cash Advances:
    Regular APR:
    35.90% Fixed
  • FEES
    Annual Fee:
    $99 introductory fee for the first year, then $125 thereafter
    Application Processing Fee:
FIT™ Platinum Mastercard®

Questions & Answers about the card:

What is fair credit? What credit score is considered fair credit?

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.

How to lower interest rate on credit card?

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.

How to build credit when my credit is bad and nobody gives me a credit card?

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.

What do I need to qualify for the 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.