FIT Mastercard Credit Card: The Option for Those with Less than Perfect Credit

FIT Mastercard is a credit card option for those who don’t have a good credit history and a FICO score below excellent.

With an excellent reputation and a highly modern online service, the FIT Card can be a good option, and you can see how to apply.

SEE HOW TO APPLY

Searching for More?

The FIT Card is operated by Continental Finance Company, a credit card service provider in the United States, primarily focusing on individuals with less than perfect credit.

The FIT Mastercard account is also linked to the Bank of Missouri, an independent state institution.

Furthermore, the motto of Continental Finance Company (CFC) is to offer credit options to those overlooked by other credit card providers, especially those with higher scoring needs.

Therefore, the FIT Mastercard is a great option for those starting to build a credit history, serving as a good first-card solution for life.

In this regard, it’s a simple card without bonus rewards, mileage accumulation, or other benefits, but it’s quite relevant for smooth financial management.

The initial card limit is $400, with the possibility of increasing to $800, depending on the financial conditions presented by the cardholder.

No, the CFC card doesn’t offer any kind of sign-up bonus.

The card charges an initial fee of $85 and an annual fee of $75 in the first year and $99 from the second year onwards. From the second year on, you’ll also need to pay the monthly fee of $6.25 or $75 annually.

FIT doesn’t have significant credit history requirements, which is precisely the main focus of the brand with the product. Yes, you can complete the entire card application process directly through CFC’s online services.

FIT Mastercard is a credit card option for those who don’t have a good credit history and a FICO score below excellent.

CFC offers a free monthly credit score, allowing you to always monitor your credit status, which is important if you plan to improve conditions for future planning.

In terms of tools, you can manage accounts entirely online, mainly through the mobile app available on the Apple and Play Store platforms.

The credit protection system is available for FIT Mastercard primary cardholders. Another important aspect is being a cardholder, which is essential for credit history.

One of the major drawbacks of the FIT Mastercard is precisely the cost.

This is because you’ll need to pay a one-time processing fee of $89, an annual fee of $75 to $99 in the first year, and $99 starting in the second year.

Additionally, there’s a monthly maintenance fee of $6.25 or $75 annually, starting in the second year.