First Digital Credit Cards

Your First Digital Card application may have been denied for various reasons, such as insufficient disposable income, too much debt, a recent or unresolved bankruptcy on your credit report, or being under 18 years old. You should receive a letter from First Digital explaining the exact reason for the denial.

If you feel your application deserves a second look, you can call First Digital customer service at 1 (844) 358-0074 for further clarification.

Possible Reasons Your First Digital Card Application Was Denied

• Under 18 years old
• Not enough credit history
• Income is too low or unstable
• High debt relative to your income
• Too many recent credit inquiries
• Late payments on your credit report
• Using too much available credit
• Errors on your credit report
• Unresolved bankruptcy on your credit report
• Errors on your application
• Forgotten credit freeze, credit lock, or fraud alert on your credit reports

If you have bad or limited credit, your best bet may be a secured credit card, such as the opensky Plus Credit Card. Secured cards generally approve people with low credit scores because they require a refundable security deposit to open the account. The deposit amount is your credit line in most cases, so there's far less risk to the card issuer.

You can check out our editors' latest picks for the best secured credit cards on the market to weigh your options.

You can log in to your First Digital Mastercard® account by going to the login page on the First Digital website or mobile app and entering your username and password in the appropriate fields. Then, click the “Log In” to access your online account.

How to Register for Online Access on your First Digital Card Account

1. Register your First Digital Card for online account access. Click “New here? Register” and enter your 16-digit account number, the last 4 digits...

The First Digital Card credit limit is $300 or more. Everyone who gets approved for First Digital 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.

The First Digital 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...

The First Digital Card does not offer a rental car insurance benefit. Even though the First Digital Card doesn't have rental car insurance, this perk is one of the handful of credit card benefits that still come with many credit card offers. If you'd like a credit card with rental car insurance, there are plenty of options.

In general, credit card rental car insurance provides coverage against damage and theft of a rental vehicle, usually up to the vehicle's actual...

Yes, the First Digital Mastercard® is legit. The First Digital Card is legit because it is issued by Synovus Bank, an FDIC member that is accredited by the Better Business Bureau and has an “A+” BBB rating. The First Digital Card also reports information to the major credit bureaus each month.

Why The First Digital Card is Legit

• Issued by Synovus Bank, FDIC member and BBB accredited with an “A+” rating.
• Rated 2/5 stars by WalletHub editors.
• 3.3 / 5...