HUE / First Savings Credit Card ReviewsReviews, rates, fees, and customer service info for The HUE Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo foreign feeQualify with limited or no credit historyDoes not require security depositMembership feesHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The HUE Credit Card’s $49 - $75 annual fee can be worth paying if you have bad credit (a credit score below 640) and you need to borrow a small amount of money for an emergency expense. The card’s minimum credit limit is $350. Info about the HUE Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.1/5
26 reviewsRead and write reviews
Editor’s Review
2.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.4
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Rebuild Damaged Credit by Paying in Full Each Month” for this card.
Fees
2.9
Rewards
0.0
Cost
1.6
Other Features
4.7
2.4/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Fair Credit, Limited History, No Credit, Bad Credit
Fees
One-Time Fees→$0
Annual Fee→$49 - $75
Monthly Fee→$0
APR on Purchases
29.9%
HUE Credit Card's Additional Info
Your account is automatically reviewed for a credit line increase in as little as just 6 months.
Your payments will report to all major credit bureaus, so you can rebuild your credit.
Once approved, there is no need to pay a security deposit to get your credit card.
Fraud Coverage for Lost or Stolen Card.
Secure Online Account Access and MasterCard® SecureCode.
HUE Credit Card (formerly First Savings Credit Card)
John Kiernan
2.5 / 5
The HUE Credit Card’s $49 - $75 annual fee can be worth paying if you have bad credit (a credit score below 640) and you need to borrow a small amount of money for an emergency expense. The card’s minimum credit limit is $350.
If you have bad credit but don’t need to borrow or you have a 640+ credit score, you should be able to qualify for less expensive cards. By the way, it's worth repeating that the HUE Card used to be called the First Savings Credit Card, in case you see different names being used.
What I Like About the HUE Credit Card
• No monthly fee • No application processing fee • No security deposit needed • Possible credit limit increases • Can help you build credit, if you use it responsibly
What I Don’t Like About the HUE Credit Card
• $49 - $75 annual fee • $20 authorized user fee • 29.9% APR • No rewards on purchases
At the end of the day, the offer isn’t that attractive for anyone but people with damaged credit who need to finance emergency expenses. If you’re in that boat, try to repay your balance as quickly as possible so the high interest rate doesn’t cost you too much.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.5
User Reviews
2.1
Market Comparison
2.4
fees: 2.9
rewards: 0.0
cost: 1.6
Other Features: 4.7
4.7WalletHub Rating
WalletHub Rating
4.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.7
Market Comparison
4.8
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 3.0
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about HUE Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
To talk to HUE Credit Card customer service, call (888) 469-0291 and then when prompted, enter the last 4 digits of your account number. Alternatively, wait until you hear the menu options and press 0 for customer service. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to HUE Credit Card Customer Service by Phone
Call the HUE Credit Card customer service department. You can even use the number on the back of your card.
When prompted, enter the last 4 digits of your account number. Alternatively, wait until you hear the menu options and press 0 for customer service.
Speak to the live representative.
If you can't or don't want to talk to the HUE Credit Card customer service over the phone, you can contact them via mail at: HUE/First Savings Credit Card PO Box 5019 Sioux Falls, SD 57117-5019
You can only apply for the HUE Credit Card if you received an offer in the mail. Once you have your invitation, you need to go online and enter the reservation number and access code found on your acceptance form. After a few verifying steps, you'll be able to accept their offer.
What you should know about the HUE Credit Card:
The HUE Credit Card is an unsecured credit card that is open to applicants with bad credit and...
You can find the current HUE Credit Card payment address listed on your monthly statement. You can also find it by visiting First Savings Bank's website or calling customer service at the number on the back of your card.
When paying HUE Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. First Savings Bank does not accept cash.
You can make a HUE Credit Card payment online, by phone, through the First Savings Bank mobile app, or by mail. To pay a HUE Credit Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. First Savings Bank does allow cardholders to set up automatic payments, too.
You can check your HUE Credit Card application status by calling 1 (605) 782-3434. When you call, you'll need to provide the required information so that First Savings Bank can match you to your application. First Savings Bank does not allow you to check your application status online
How to Check Your HUE Credit Card Application Status
You can request a HUE Credit Card credit limit increase by calling customer service at 1 (888) 469-0291. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income First Savings Bank has on file. First Savings Bank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher...
The HUE Credit Card annual fee is $49 - $75. HUE Credit Card's 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 HUE Credit Card, either.
No, the HUE Credit Card isn't a good card. It's an expensive unsecured card for people with bad credit. It has a $49 - $75 annual fee based on each cardholder's creditworthiness, as well as an APR of 29.9%. What's more, you can only apply for it if you've received an offer in the mail.
Unsecured cards for people with less than perfect credit usually come with high fees. As an alternative, consider applying for a secured card...
Share your insights and review for the HUE Credit Card
5
15%
4
8%
3
8%
2
15%
1
54%
2.1
26 reviews
26 reviews
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Angela T @angelat_16
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1 Star Rating
Verified Customer
Card received, annual fee paid, 12 out of 12 credit authorizations were declined. All transactions were for between 25 and 30% of available credit. Total credit line shows available, but the card doesn't work anywhere. Avoid this company at all costs.
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Comment
0
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wwooco @wwooco
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1 Star Rating
This card is very bad. They don't care about their customers at all. I never use my card, but there were charges on the statement that I claimed, yet this bank did not care at all. They are very bad. Now I have to pay for everything. I have never had this kind of experience before. They don't care about their customers at all. So, it feels like they are stealing the customer's money.
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0
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Randy @randye_11
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3 Star Rating
Verified Customer
"I don't know about anyone else, but I am having the hardest time trying to log on to the site. It usually tells me it is under maintenance, and this has been going on for weeks. So, I tried the 'I forgot my sign on' option. I put in my card number, expiration date, code, and the last 4 digits of my Social Security number. It says 'Not available at this time.' What the heck is wrong with this site? This has been an ongoing issue for weeks. I am trying to set up auto-pay. If I have to call, I will lose it. They are incompetent. At this point, I might as well face it. I am never going to use this useless card. Forget them."
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1
0
shnappy2014 @shnappy2014
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1 Star Rating
Just started charging a monthly service fee of $6.25 on top of the annual $75.00 fee. Monthly service fees are a total disadvantage for credit card holders. So, basically, now this credit card has a $150.00 fee per year and high interest. I have never been late on a single payment and have had this card for 2 years, and this is how they thank customers for their business. I am paying off and cancelling immediately. I do not recommend this card.
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Arthur Hyatt @iirish4545
ty for your post was just about to activate this card ,the annual fee sucked but was doable but when they start adding extra fees iam out ,thanks again
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Comment
0
0
reneebrittny @reneebrittny
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2 Star Rating
Verified Customer
Never had issues with this card and had over a $2k limit, but they recently added an annual fee, so I closed my account. Tired of being nickel-and-dimed by these greedy corporations.
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2
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Larry Nelson @ltsm56
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1 Star Rating
I have had this First Savings Credit Card for over three years and have been able to have the $75.00 annual fee waived for three years by talking to customer service. However, since Hue took over the credit card division, they want to start charging a fee of $6.25 per month as a purchase with interest charges on that amount. This is in addition to the $75.00 annual fee already being charged. I'm going to pay off this card and leave these greedy individuals as soon as possible.
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1
0
PAMELA GUNCHICK @GUNCHICKPAMELA
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1 Star Rating
This card was okay for over one year... then they sold it to HUE... now they purposely hold your payment... then fraudulently charge you a late fee. That's fraud. I've filed with the attorney general for the state of their headquarters. Done with this... once good... now gone bad! Game over!
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ray_notarian @ray_notarian
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1 Star Rating
Really bad customer customer service - I could not believe how terrible the end user experience is with this company. I've never had a credit card company hold my payment for over two weeks. Talking to the customer service line seemed almost like a joke; I could not get my head around how shady they appear, with too many red flags to list. Do not do business with this company.
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2
0
lorenzodavis81 @lorenzodavis81
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1 Star Rating
Verified Customer
Received my card knowing of the high interest and upfront cost due to my low credit score. However, after I made my first payment, they deactivated my card and mailed a letter asking me to verify my bank information. I don't understand why they would accept my payment and then ask for verification from my bank via mail in 2024. It's too much of an inconvenience, given my busy schedule, to go through the hassle of verifying bank information that they had no issue drafting from my account, so I'm closing the account.
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unseenvj @unseenvj
I just closed my account for the same reason.
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3
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Marilyn @lildee575
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2 Star Rating
Verified Customer
This is nothing but a rip off. I first gotten my card it was $75.00 fee. The fee was paid . Now I have a high balance to payoff . Never purchased anything with the card. I’m paying them off and closing my account. They charge interest if you haven’t paid the full balance?
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