How does First Access Visa purchase protection work?

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.

To get a First Access Visa® Card cash advance:

1. Call customer service at 1 (888) 267-7980 and request a PIN, if you don’t already have one.
2. Insert the credit card at an ATM and enter the PIN.
3. Select the cash advance option on the ATM screen.
4. Enter the amount you’d like to withdraw.
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5. 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.

The First Access Visa® Card is available to people with bad credit. That means people with credit scores below 640 may have a shot at getting approved for the First Access Visa® Card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the First Access Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the First Access Card credit score requirement. You can check your credit score for free on WalletHub.