Your Fit Mastercard approval odds are pretty good as long as you aren’t carrying too much debt and you don’t have major red flags such as an ongoing bankruptcy on your credit report. You’ll need enough income to pay your bills each month, too. Applicants can get approved with a bad credit score of 639 or below, however, so even a low credit score shouldn’t hold you back.
The Fit Mastercard can help cardholders build or rebuild their credit scores. But before applying for the Fit Mastercard, you should compare it to the other credit cards for bad credit that are currently on the market, to make sure you find the right fit. If you end up getting denied for the Fit Mastercard, consider applying for a credit card with no credit check.
No, the Fit Mastercard does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the Fit Mastercard is not a great credit card to use.
To contact the FIT® Platinum Mastercard® reconsideration line, call 1 (866) 449-4514. The Fit Mastercard reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. In the case of Fit Mastercard, the reconsideration line is the same as the general Continental Finance customer service number.… read full answer
If you call to request reconsideration from Continental Finance, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.
For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.
At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.
The Fit Mastercard annual fee is $99 per year. Fit Mastercard’s $99 annual fee is higher than the average annual fee among new credit card offers right now. It’s not the only fee you need to worry about with the FIT® Platinum Mastercard®, either.
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