See How to Apply for the FIT Mastercard Credit Card

What do I need to know before applying for a FIT Mastercard Credit Card?

The FIT Mastercard is a credit card offered by CFC, aimed specifically at individuals with less-than-perfect credit scores in the market who are seeking an option to start their financial journey!

Continental Finance Company is a company founded in 2005 focusing on providing credit card services in America for individuals with limited credit conditions.

Most credit cards require a good-to-excellent credit history. However, the FIT Mastercard does not require such a requirement, making it a credit card option for people with poor credit scores.

The FIT Mastercard comes with an initial limit of $400, which can quickly expand to $800 depending on the presented financial conditions.

Thus, you can double your credit within six months. Despite being an entry-level credit card, it offers Mastercard zero liability protection, ensuring you are not held responsible for unauthorized charges on the card.

This protection is usually present on stronger cards, making it a significant advantage of the FIT Mastercard.

One of the major drawbacks of the FIT Mastercard lies in its costs. Firstly, there’s a one-time processing fee of $89 to receive the card.

The annual fee ranges from $75 to $99 in the first year. From the second year onwards, the fee is $99 annually.

Additionally, there’s a monthly maintenance fee of $75, equivalent to $6.25 per month from the second year onwards. In terms of interest, the APR for purchases is 29.99%.

Another significant benefit of the FIT Mastercard is its potential for credit building, as it provides a monthly report from the three major credit bureaus along with a free credit score to track your progress.

Therefore, if you intend to learn more about the card, keep reading.

Who can Apply?

The FIT Mastercard credit card is quite accessible to the public. Firstly, there’s no requirement for a high credit score, which is the main benefit of the card.

Therefore, you won’t need a good, let alone an excellent, FICO score.

The prerequisites for the FIT Mastercard are basic. You need to be at least 18 years old and properly registered in the USA.

For citizens born in the country, you need to have updated documentation.

For foreigners, a valid passport with a work and residence visa is required. In any case, you’ll need to have a verifiable monthly income, especially for approval and credit limit increases.

Beyond that, there aren’t any other major requirements for the FIT Mastercard. However, any application is subject to CFC’s availability.

How do I Apply for the FIT Mastercard Credit Card?

The CFC platform with FIT provides the possibility for completely digital credit card applications, featuring buttons such as “Apply Now” or “Accept Email Offer.”

By clicking on the Apply Now button, you’ll need to fill out the application form with your personal and contact information.

Contact information includes full name, address, zip code, date of birth, email, Social Security number, and annual income.

You can calculate your monthly income through the platform itself.

Additionally, you’ll need to indicate the primary source of monthly income, such as salary or benefit receipts.

To complete the application, you’ll also need to provide phone numbers and accept the website’s terms and conditions.

After submitting the application, FIT Mastercard promises an instant application review.

However, in some cases, it may take up to 30 days for a response. Nonetheless, in case of problems, you can directly contact customer support.

More Details

Upon signing up with the FIT Mastercard, you’ll receive the card as the primary cardholder, which is crucial for building credit and aiming to increase your FICO score.

All account management can be done digitally, including through the mobile app for Android and iOS smartphones.

Another important aspect of the FIT Mastercard is that it offers a variety of articles and content to help you understand more about finances and credit.

However, the main benefit of the card is precisely that it is a product to start your journey in the world of credit and accumulate points.

Want to learn about another option?

The Capital One SavorOne Rewards is another credit card option aimed at better credit scores, offering unlimited 3% cashback on specialized purchases.

Similarly, you can access the online form to apply for the card; see how to complete the application.

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