If I could rate at a negative 10 I would do so. Don’t even bother with this card they are constantly sneaking in bogus charges such as an additional card fee of $29 for a card you never ordered and funny thing never received then a $30 late fee when you have set up your account on automatic fees, then a monthly service fee of $6.99 and that isn’t even the interest. I cancelled the card and basically told them to cram it. Absolutely not worth the headache. I paid over the minimum payment every month and yet the balance never went down. Seriously don’t bother with this card.
Total Rip off. $95 activation fee followed by a $75 annual fee charged before you even use the card. $170 in fees for a $300 line of credit. Total rip off!
Thank you for doing a great service for those that are trying to improve their credit I have been working hard to get up my score god bless
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Product: First Access Card Credit Cards
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eddie_jr81 @eddie_jr81
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1 Star Rating
So I'm trying to improve my credit and I apply for this card. I did use quite a bit of my available credit. My first payment was due 4/20 and I paid it on 4/19. As of 4/22 it shows it's still pending and my account is overdrawn. I called to ask why the guy tells me it's because I didn't make the payment. I said I did and he said it's still pending. I tell him I made the payment and he said I made the payment after 7:30pm and it takes two business days to clear. I wanted to cuss the guy out but I'll pay my card off and cancel it. This is not a good look for them. They suck!!!!
Never in 45 years have I seen or heard of a credit card that closes down your account over one payment that was rejected by the bank. I immediately posted another payment that cleared to correct this, didn’t matter ACCOUNT CLOSED. Do NOT apply for this card, $95 to get it and $75 immediately off the top. Worst "credit card” I’ve ever seen. This card is basically a scam!
Easy application and received the card. So. We well see ! They make there applications very easy to fill out not a bother at all .
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HERBERT D Johnson Jr @herbertj3
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5 Star Rating
Verified Customer
Account is going to be paid off because of monthly service charges and not waving annual fee. The card was great at the time and helped me build my credit. I am very grateful for this.
This is the worst credit card I’ve ever had in my life!! My credit fell behind I try to find a good card, that caters to people with not so good credit , this was offered to me. Signed up, they want the program fee 95 dollars! they offered for me to pay it in three installments which I set up December 5 January 5 and February 4th. they took my first $31 payment in December when January came around they did not withdraw the money, which they have access to my bank so I had to make the effort to call in and make that $31 payment again. Now it is February I noticed they didn’t take the payment again and I have well over $31 in my bank account. So I called in today which is past the 5th to ask them why did they not take the payment? they informed me that my application was withdrawn! because the payment wasn’t made I said I didn’t make up the payment dates why didn’t you guys withdraw it from my bank like you set up, I have the confirmation in the email that this was set up for three months he saying there’s nothing we can do about it, except I can reapply !!! Now why would I reapply to somewhere that obviously isn’t professional enough to take the payments out of my bank account that they scheduled. it’s just a lot of hassle with them, they’re ridiculous overpriced and they don’t have a good customer service they don’t care about your business because they look at you as just a lowlife low Credit score having person, they suck big time I would suggest you stay away from them with their annual fee every year ridiculous!!!! There are other companies that are much better
First Access is a joke....Scam artist.....you are even charged a fee each month for just having their card whether you use it or not.
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Suzanne Keeney @suzannek5
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5 Star Rating
Verified Customer
First Access is the best Credit Card I ever had and I would like to say thank you for giving me that chance to be a part of First Access and I will make some payments.
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First Access Card Credit Card Q&A
Get answers to your questions about First Access Card Credit Cards below. For more general questions, visit our Answers section.
To apply for the First Access Visa® Card, fill out the application online by clicking on the “Apply Now” button. There is no way to apply over the phone or in person.
Here's what you should know before applying for the First Access Card:
Credit score requirements: The First Access Card is designed for people with less-than-perfect credit, so people with bad credit can be accepted.
Other approval requirements: To apply for the First Access Card, you need to be at least 18 years old. Plus, you will need to have a checking or savings account.
Information required: You'll need to provide your full name, home address, phone number, email address, Social Security number, and other personal information.
Approval Time: Once you submit your First Access Card application, you will likely get a decision within 60 seconds. If you don't get an immediate decision, you can check the status of your application online or over the phone at (888) 267-7980.
Ultimately, it is worth noting that approved applicants will need to pay a Program Fee of $95 to open the account. Plus, the card has an annual fee of $75 for the first year and $48 per year after that. On top of that, after the first year, cardholders pay $8.25 per month just to keep the account open.
It's wise to take these fees into consideration before applying for this card. There are far cheaper credit cards for bad credit out there that will build your credit. For example, secured credit cards usually come with no maintenance fees at all. And since the security deposit is completely refundable, using a secured card to build credit might be a lot cheaper in the long run.
Yes, the First Access Visa® Card does give credit limit increases if your account has been open for at least 12 months. First Access may offer an increase after the first year if your account is in good standing, or you can request a higher credit line by calling (888) 267-7980.
Key Things to Know about Getting a First Access Card Credit Limit Increase
You can only request a credit limit increase after you've had the card for at least 12 months.
First Access may offer a credit limit increase after the first year, if your account is in good standing.
The credit limit increase will not take effect automatically. You must first accept the offer and agree to pay a credit limit increase fee.
The First Access Card credit limit increase fee is equal to 20% of the increase amount. For example, if your credit limit is increased by $100, you will be charged a $20 fee, which will leave you with $80 in additional available credit on your account. Once you accept a credit limit increase offer, the fee is added to your total balance.
To improve your chances of getting a higher credit line for the First Access Card, make on-time payments and keep your balance well under your current spending limit. For more tips, check out WalletHub's guide on how to increase your credit limit.
How to Reach the First Access Card Customer Service
Over the phone: Call (877) 259-3755 and enter your account number when prompted. Then, follow the automated prompts to get connected to a customer service rep.
By mail: Send your inquiries via mail at the following address:
First Access Card PO Box 89028 Sioux Falls, SD 57109-9028
Although you can't contact customer service through your online account, you can still manage your First Access Card account online and and make payments, among other things. If you need to make a payment for the card's one-time $95 program fee, you can do so on the First Access Card's dedicated web page.
To get a First Access Card PIN, call the number on the back of the First Access Card and ask customer service for a PIN.
Best Way to Get a First Access Card PIN
Call customer service at 1-888-267-7980 or call the number on the back of your First Access Card.
Inform the representative that you want a credit card PIN.
Receive the PIN in the mail, over text, or by email. It's unlikely that First Access Card customer service will be able to provide a PIN over the phone.
If your credit card had a PIN in the past, but you've forgotten or misplaced it, they may tell you to look for the PIN before they generate a new one. It may be listed in credit card-related mailings or your online account. And if you need a PIN for a cash advance, it's important to note that cash advances have high fees and interest rates, so you'll generally want to avoid them whenever possible.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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