The FIT Mastercard Credit Card is for people who want to get back on track with their finances. Your results will be ready in a matter of seconds once you finish our quick and easy online application! Don’t let this opportunity pass you by! In this article, you will get to know everything about FIT MasterCard. The online application is simple to complete. The FIT Mastercard is for people who have less-than-ideal credit. You may be able to build or reestablish your credit by making on-time minimum payments and keeping your balances below your credit limits. Before getting into the process where you can know how to apply for FIT Mastercard, let’s know the great features it holds.
A $400 initial credit limit on a FIT Mastercard. Use your FIT card at any location that accepts Mastercard. With your new FIT credit card, you can go shopping, eat out, and even travel. When you make on-time payments and keep your balance below your credit limit, your FIT credit card account can help you rebuild or enhance your credit score.
You may be eligible for your first credit limit increase after only 6 months. If you want to enhance your credit, getting a credit limit increase is a huge step in the right way. Continental recognizes this and will review your account, allowing you to request a Credit Limit Increase, subject to current income and underwriting restrictions. You could benefit from increased spending power, a lower credit utilization ratio, and the possibility of improving your credit score.
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You won’t be held liable for illegal charges on your FIT credit card if you have $0 Fraud Liability. You are only accountable for transactions that you make with no risk of fraud, so you can shop with confidence knowing that your card activity is completely safe. Continental Finance will protect your FIT credit card account whether you’re buying at a store, traveling overseas, or making online purchases.
The FIT credit card can be a useful tool for establishing credit. Continental Finance accepts clients with less-than-perfect credit who apply for a FIT credit card. Continental Finance will record your payments to the three major credit bureaus: TransUnion, Experian, and Equifax.
You must create an account before you can use your FIT Mastercard. One of the best aspects of signing up for e-statements is that you will receive a free monthly credit score. You can check your score once a month. If you’re building credit for the first time or repairing credit, you may see the impact of actions like making your monthly payments on your credit score each month.
Brief about Continental Finance
Continental Finance is a company based in the United Kingdom. The Continental Finance Company- CF was founded in 2005. It is recognized as a reading marketer as well as a service of credit cards for those who have weak credit in the United States. Traditional credit card issuers and local banks sometimes overlook individuals that need credit goods and services, thus the company focuses on them. They can provide a number of services to their consumers as a consumer finance firm with a cutting-edge consumer lending platform when other financial institutions are unable to. CFC has prided itself on its corporate duty to its clients in terms of a good customer care program and fair treatment since its inception.
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These are the steps that you need to follow in order to apply for FIT Mastercard. These steps are so simple that will not consume much of your time.
In most circumstances, they will make a decision right away. However, in some situations, extra information is required before they can make a judgment on your FIT credit card application, which could take up to 30 days.
After you apply for credit and are approved, getting your fresh new credit card is a relatively simple process. Your new FIT credit card and welcome papers containing crucial FIT card information will be mailed to you within (3) business days if you are approved.
Online or over-the-phone activation is available for new and reissued cards. To activate your card online, go to the website listed on the back of your card and click “Activate Now.” To activate your new card over the phone, call the toll-free activation number listed on the sticker affixed to it within 30 days of receiving it in the mail from the phone number you provided on your application.
Yes, you may use our Online Banking Service to complete the following actions and more with your FIT card:
-Make a payment with your FIT credit card.
-Enroll to get your FIT card statements online.
-Check out the most recent trades.
-Check out the previous statements
-Check out your payment history.
-View your FIT credit balance and other essential information.
Details of the card-
|Monthly Fee||None for the first year, then $6.25 a month ($75 annually)|
|Late Fee||Up to $38|
|Cash Advance APR||29.99%|
Comparison with other continental Finance credit cards
Continental Finance has two other credit cards, the Reflex Mastercard and the Surge Mastercard, in addition to the FIT Mastercard. The annual fee range for the Reflex and Surge credit cards is the same as for the Fit credit card. However, whereas the Fit credit card has a monthly fee of $6.25 starting in the second year, the Surge and Reflex credit cards have monthly fees ranging from $0 to $10. As a result, if you use the Reflex and Surge instead of the Fit Mastercard, you can end up paying no monthly cost. The Fit credit card has an $89 one-time application fee, whereas neither the Reflex nor the Rush does.
When it comes to credit limitations, the Fit Mastercard offers a $400 limit as a starting point. Both the Reflex and the Surge have a limit of $300, $500, 750, or $1,000. (potentially higher than Fit). When you pay your first six payments on time on all three cards, your credit limit will quadruple. It’s evident from the charge and credit limit provisions that the Reflex and Surge are aimed at people with credit scores in the higher region of the “poor credit spectrum,” which is typically between 590 and 720. The Fit Mastercard, on the other hand, would be a better fit if your score is in the lower to mid 500s.
In comparison to other credit cards that raise your credit limit
After a few months of on-time payments on two cards, your credit limit will be increased. The Merrick Bank Double Your Line Visa and the Mission Lane Visa Credit Card are the cards in question. Double Your Line at Merrick Bank Visa charges an annual fee ranging from $0 to $72. There are no application or monthly costs. Their credit limit is from $550 to $1,350 and doubles when the first seven payments are made on time. The Merrick Bank credit card, on the other hand, will only accept applicants with a credit score of at least 620. As a result, the costs and credit limits are better than on the Fit credit card.
The Mission Lane Visa is the other card to compare the Fit Mastercard to. It charges a $59 annual fee and raises your credit limit after six regular payments. Despite the fact that several people have reported having their limitations doubled, Mission Lane does not specifically state that your limit will be doubled after 6 months. They accept candidates with a credit score of 550 or higher, although absolute debt levels are strictly enforced. Your overall debt must not exceed $20,000 if you just have credit card debt. Your overall debt must not exceed $80,000 if you have a mortgage. You will not be authorized if you do not meet these requirements. While the Fit Mastercard has higher costs than the Mission Lane Visa, it may be better suitable for certain of you.