Learn more about FIT Mastercard Credit Card and know how you can apply!
Rebuilding your credit can feel like an uphill battle, especially if you’re coming from a history of financial missteps or a lack of credit history altogether.
Traditional credit cards may be out of reach, and secured cards require an upfront deposit that not everyone can afford. This is where the FIT Mastercard Credit Card steps in.
With a combination of accessible credit limits, regular reporting to the major credit bureaus, and a straightforward application process, this card is tailored to help you establish or rebuild your credit score. Unlike many credit cards that might deny you based on your current credit situation, this one offers you a second chance.
Its flexible approval criteria, makes this card a great solution for those with no credit history or a bad score, offering a path to improvement. By consistently paying your bill on time and keeping your balance low, you can steadily rebuild your credit score.
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What are the benefits of FIT Mastercard Credit Card?
- No Security Deposit Required;
- Helps Improve Your Credit Score: if your credit score is holding you back, this card provides an opportunity to rebuild it. By making on-time payments and keeping your balance low, you can improve your credit score;
- Easy Approval: the card offers a simple application process with a quick decision on approval. This card doesn’t require a credit score, making it perfect for those who are just starting their financial life or going through a recovery;
- Reporting to Major Credit Bureaus: your activity is reported to all three major credit bureaus (Equifax, Experian, and TransUnion), which can help build your credit score over time;
- 24/7 Online Access: you can easily manage your account online, view your transactions, and make payments;
- Credit Limit Increase: starting with a $400 credit limit, the card gives you a manageable starting point. With on-time payments, you can potentially double your credit limit within six months;
- International Coverage;
- Mastercard Zero Fraud Liability Protection.
Pros vs Cons?
| ✔️ PROS | ❌ CONS |
| Monthly Maintenance Fee: $0 introductory fee for the first year |
Annual Fee: $99 introductory fee for the first year, then $125 thereafter Monthly Maintenance Fee: after introductory fee, $150 (billed $12.50 per month) |
| Internacional Coverage
Foreign Transaction Fee: $0 introductory fee for the first year |
Foreign Transaction Fee: after introductory fee, 3% of each transaction in U.S. dollars |
| Monthly Reporting to All Three Major Credit Bureaus: helps you build credit score
Easy Approval: little to no requirements |
High APR: 35.90% |
How do I apply for the FIT Mastercard Credit Card?
In order to be eligible for this credit card, all you need is to be at least the age of majority and a United States resident. Here’s how to apply:
- Visit the Website: click on the button below to access the website;
- Fill The Application Form: provide any personal and financial details requested and submit it by clicking on “See My Card Offers”;
- Wait for Approval: after submitting, wait for the approval.
Then the bank will conduct a creditworthiness assessment to evaluate your credit history, income stability, and repayment capacity. This assessment helps determine the likelihood of credit card approval. Keep in mind that, the approved credit limit will also depend on it.