Is the First Digital Card a good first time credit card? This question is about the First Digital Mastercard®

The First Digital Mastercard® works as a first-time credit card since it is available to people with bad credit. It is not the best choice for a first-time credit card, though, because it charges an annual fee of $75 1st yr, $48 after, and a monthly fee after the first year. There is also a one-time fee of $95. Best First-Time Credit Cards Overall: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn MoreStudents: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn MoreCash Back: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's websiteBest Rewards: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn MoreNo Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website You can learn more about the best first-time credit cards on WalletHub.

Ad Disclosure Ad Disclosure

Is the First Digital Card a good first time credit card?

Answer Question Report Abuse

This question is about the First Digital Mastercard®

see this user

Chip Lupo, Credit Card Writer

@CLoop • 09/09/22 This answer was first published on 09/09/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

The First Digital Mastercard® works as a first-time credit card since it is available to people with bad credit. It is not the best choice for a first-time credit card, though, because it charges an annual fee of $75 1st yr, $48 after, and a monthly fee after the first year. There is also a one-time fee of $95.

Best First-Time Credit Cards

Overall: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
Students: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn More
Cash Back: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
Best Rewards: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website

You can learn more about the best first-time credit cards on WalletHub.

Answer Question

Does First Digital Mastercard do a hard pull?

Yes, applying for the First Digital Mastercard will do a hard pull on your credit report. It is an unsecured credit card designed for people with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry.

There is no way to get pre-approved for the First Digital Mastercard. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce...

read full answer

How do I get a First Digital Mastercard credit limit increase?

You can get a First Digital Mastercard credit limit increase online or by calling 1-844-358-0074.

It's important to note that with every credit limit increase comes a fee, which is 25% of the amount of the increase.

Limit increases are available after the account has been open for 12+ months with six consecutive months of on-time payments.

read full answer

When does the First Digital Card report to credit bureaus?

The First Digital Mastercard® reports to the credit bureaus monthly, within days after the end of a cardholder’s monthly billing period. The First Digital Card reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: Experian, TransUnion, and Equifax. Synovus Bank may use a specific credit bureau more than another, depending on the applicant’s home state, and other factors.

Once the First Digital Card reports your account information to a credit...

read full answer

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.