First Access Visa Reviews And Customer Service
Applicants for the First Access Visa Credit Card don’t have to put down the amount of their credit limit as a deposit. This means they don’t have to pay back the money. This is good news for people who need to improve their credit but don’t have any money right away. This article outlines First Access Visa Reviews And Customer Service.
Watch the below video on First Access Visa Reviews And Customer Service:
The pros and cons:
Pros:
* It’s easy to get because it’s for people with bad or no credit history.
* It’s not a secured card, which means there’s no collateral deposit.
Cons
High APR:
* Comes with a 34.99% APR. (see the terms)
Credit limit: $300. Payment due date: 21 days after the end of each billing cycle. Many other cards give you 24 or 25 days before your payment is late.
In case you don’t pay on time or if your money doesn’t go through, you’ll be charged.
An in-depth look at the current card offer.
* Rewards rate: N/A
* Welcome offer: $0 monthly fees and cash advance fees for the first 12 months
* Annual fee: $75 for the first year, $48 for the second year (See terms)
In the beginning, there is no APR for purchases or balance transfers. The regular APR is 34.99 percent (See terms)
In the current welcome offer, you can get a free gift
In place of a standard introductory APR or rewards deal, the First Access Visa doesn’t charge any fees for the first year that you own the card. Because of the high fees on the card, waiving the service fee of $8.25 and the cash advance fee of $10 or 3%, whichever is greater, will be a big help.
Other perks for cardholders.
Even though this isn’t a card with a lot of travel perks or exciting rewards, it gives people a way to improve their credit history.
Credit limits that aren’t too high or too low
Overall, a credit limit of $300 makes sense because the card is unsecured. If you pay $75 for a year of service, it will be deducted from this total in the first year. After that, it will be $48 a year.
Extra cards can be added.
To get another card for your spouse or partner, you can. To get the most out of the card, you’ll need to communicate well and budget your money well. You’ll be charged another annual fee and share the credit limit with your partner.
Rates and charges
As with many other credit-building cards, the First Access Visa’s flaws are hidden in its terms and conditions. Even though the card is meant for people with bad credit, it charges a lot of interest and fees.
APR: There is a 34.99 percent APR on purchases and cash advances, and any interest charges must be at least $1.
The fee to sign on.
The first time your application is approved, you’re charged $95 for a single fee.
The fee for the year
The first year’s fee is $75, which is paid upfront and taken out of your credit limit. After the first year, the fee is $48 per year. To keep the extra cards, there is an annual charge of $29 for each of them, too.
Service fees are charged each month.
No fees for the first year, but from month 13 there will be a charge of $8.25 for a month (or $99 per year).
Other fees:
* Late payment and returned payment fees can cost up to $40 each time they happen. There is a cash advance fee that starts in the second year. It costs $10 or 3% of each transaction, whichever is more.
Payment: Credit limit rise fee
After the first year, you can have your limit raised. A 20% fee is charged for this assessment, which means that if your limit is increased by $50, you’ll be charged $10 for the extra work.
The First Access Card customer Service
We can be reached at [email protected].
In this case, the postal address is First Access Card PO Box 89028 Sioux Falls, SD 57109-9028.
(888) 267-7980
