Yes, the First Access Visa® Card does have a late fee of up to $40, which applies when cardholders don’t make the minimum payment by the due date. Thanks to the CARD Act of 2009, the First Access late fee can never exceed the minimum payment amount.
If you accidentally make less than the required minimum payment or you miss your First Access Card due date entirely, you can always ask customer service to waive the late fee by calling 888-267-7980. This is much more likely to work if you have a great payment history with them, but even if not, there’s no harm in asking.
To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.
Withdraw the cash and remove the credit card from the ATM.
Before you take out a First Access Card cash advance, it’s important to note that it is a very expensive transaction. For starters, there’s a $0 the 1st yr, 3% (min $10) after cash advance fee. There’s also a separate cash advance APR of 34.99% that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.
You can pay from your bank account. Log in to your bank’s online banking account and locate the online bill payment section. All you will need to make the payment is the payee name “First Access” and your 16 digit account number. Another way to pay your bill is through Western Union or MoneyGram or other electronic payment services. Bring a copy of your First Access Card statement to provide the payee name (“First Access Card”), your account number, and the remittance address.… read full answer
The First Access Card credit limit is $300 or more. Everyone who gets approved for First Access Card is guaranteed a credit limit of at least $300, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.… read full answer
The First Access Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the customer service number on the back of your card, but it’s best not to do that more than once a year. First Access Card will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with First Access Card.
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