First Savings Credit Card Registration and Reviews

If you are planning to have a First savings credit card but do not have any information about that particular one then, this article is entirely for you. You can find the review and introduction of the First savings credit card. The First Savings credit card is an unsecured credit card aimed at persons who have bad credit or are seeking to restore their credit. The First Savings Mastercard does not require a security deposit because it is unsecured, but it does come with high costs to counteract its benefits.

What is a First savings credit card?

The First Savings Credit Card is issued by the First Savings Bank. It’s a straightforward unsecured credit card with no frills. This card is usually used by those who require a credit card in order to begin the process of restoring their credit score.

You can apply for a straightforward First Savings Mastercard and use it to build your credit history by making tiny monthly payments.

Review of Firstsavings credit card

Here’s a quick rundown of the benefits of the First Savings Credit Card-

Annual Fee	17.15%, 24.15%, or 29.90%
APR	17.15%, 24.15%, or 29.90%
Sign up bonus	$0
Benefits	People with a limited or weak credit history are eligible. Each month, payments are reported to the credit bureaus. The security deposit is not needed. Account access via the internet
Other Fees	Cash advance fees range from 2% to 5%. Authorized user charge of $202% transaction fee for international transactions late payment fees of up to $25A fee of up to $25 may be charged if a payment is returned.

Offers from First Savings Credit Cards

• When you use your Mastercard Credit Card to make ordinary purchases, dine out at restaurants, or buy online, the First Savings Credit Card provides convenience.
• You have complete control over your purchases.
• There are no hidden costs or penalties. For a lost or stolen card, APR Fraud coverage is available.
• Online account access is safe and secure

Advantages of Holding a First Savings Card Membership

At this time, there are no special offers or membership advantages available. As a member, you will have access to certain basic features, such as-

• Viewing your account summary is an option.
• Sign up for email and text alerts so you can stay on top of your account at all times.
• The ability to set up automatic payments so you don’t have to worry about missing a payment. You can do this by using online payments. It does not, however, accept credit card payments.

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First Savings Mastercard Advantages vs. Disadvantages

The First Savings Mastercard has both advantages and disadvantages. Here’s a list of some of the benefits and drawbacks.

Advantages- 

1. First Savings Bank reports cardmember activity to all three major credit agencies, so you can gain credit for making on-time payments.
2. No security deposit. The First Savings card does not require a security deposit if you want an unsecured credit card.
3. Account management through the web and on mobile devices — You can log in to your account and pay your bill online. You may also manage your account on the fly by downloading the First Savings mobile app.
4. Credit limit increases. According to online reviews, First Savings Bank automatically increases your credit limit after six months if you use the card responsibly.
5. Mastercard is widely accepted, thus the First Savings card can be used almost anywhere.

Disadvantages- 

1. Only by invitation. If you receive an offer in the mail, you can apply for the First Savings Mastercard.
2. Low credit limit. According to the credit card terms on the First Savings Bank website, new cardholders are given a credit limit of only $350 to begin with. This is a low limit for an unsecured credit card, but with responsible use, you can earn a limit increase up to $1,500.
3. High APR — While those with good credit may be eligible for a 16.40 percent APR, those with bad credit might expect to spend 29.9%.
4. Annual fee. Some applicants will be granted a card with no annual price, while others will be charged between $39 and $75 each year.

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Register the First savings credit card

It’s simple to apply for the First Savings Mastercard if you received an offer in the mail.

1. Go to the website for the First Savings Credit Card.

To begin, go to the First Savings credit card website and look for the green “accept online” button.

2. Enter your reservation number and access code in the appropriate fields.

Then, on your invitation offer, input the reservation number and access code. If you’re having difficulties finding it, First Savings offers a graphic on their website that shows where these numbers may be found on the offer mailing.

3. Complete the online application form.

You should be able to access the credit card application after entering your reservation number and access code. You’ll need to supply some personal information, such as your name, address, and job status, as well as facts about your monthly income.

How to Login to Your First Credit Card Account for Savings

You have free access to the website as a cardholder, where you can-

• Access details about your account.
• Manage your account information.
• Set up email and text notifications.
• Organize your automatic payments

Steps- 

• If you already have a First Savings credit card, you can log in to your account. 
• By clicking “account login” once you’ve arrived at the site, you can access the cardmember services portal.
• You’ll be directed to a page where you can enter your username and password after clicking “account login.”

Alternatives to the First Savings Credit Card

Not everyone will be a good fit for the First Savings Mastercard. Fortunately, there are viable options accessible, even for people with less-than-perfect credit.

If you don’t want to commit to the First Savings card because of your bad credit, there are three more options to consider.

1. Discover it Secured credit card

The Discover it Secured credit card requires a security deposit, but it doesn’t have an annual fee, making it a popular alternative for people who are trying to rehabilitate their credit. The minimum deposit is $200, however, if you desire a bigger credit limit, you can deposit up to $500.

This card also gets excellent marks for its rewards program, which is unique among secured credit cards in that it offers cash back. You can get 2% cash back on gas and eating up to $1,000, as well as 1% cash back on all other transactions. There is no annual fee, and the annual percentage rate (APR) is 24.49 percent. While this may appear to be a bit high, it’s still less than the 29.9% APR that the First Savings Mastercard is anticipated to provide.

2. Mastercard Secured by Capital One

The Capital One Secured Mastercard requires a security deposit, which varies depending on your credit score and can be as low as $49, $99, or $200. After five months of prudent use, cardholders may be eligible for a credit limit increase.

The Capital One Secured card has no annual fee, despite the high APR of 26.99 percent. You can use the card without paying interest as long as you don’t hold a balance.

3. Mastercard Secured by Citi

The Citi Secured Mastercard requires a $200 security deposit, but there are no annual or monthly fees. The card also has a $2,500 credit limit, which is larger than many secured credit cards.

The Citi Secured Mastercard features a lower interest rate than many other credit cards for consumers with terrible credit, with a 23.49 percent APR. Cardholders also have free access to their FICO score, which can be extremely useful for building or rebuilding credit.

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