Key Benefits
1. Increasing Credit Limit
- Start with a $400 limit, which may grow to $800 over time, helping you manage expenses and build credit history.
2. Monthly Credit Reporting
- Your activity is reported to Equifax, Experian, and TransUnion, helping you establish and improve your credit score.
3. Easy Online Management
- Monitor transactions, check balances, and make payments anytime via the online portal.
4. No Security Deposit Needed
- Improve your credit without locking up funds in a deposit.
5. Secure Online Shopping
- Accepted worldwide with built-in fraud protection for worry-free transactions.
6. Zero Liability Protection
- You’re not responsible for unauthorized charges, ensuring peace of mind.
7. Free Monthly Credit Score Access
- Track your credit progress with free monthly score updates.
8. Extended Warranty & Purchase Protection
- Eligible purchases receive extended manufacturer warranties and coverage against damage or theft.
Who Can Apply?
To qualify, you must:
- Be 18+ years old (19 in Alabama & Nebraska).
- Be a U.S. resident.
- Provide a valid SSN or ITIN.
- Have a verifiable income.
- Not have filed bankruptcy in the past two years.
- Maintain a reasonable debt-to-income ratio.
How to Apply
- Visit the FIT Mastercard website.
- Complete the application.
- Submit required documents.
- Agree to terms and conditions.
- Wait for approval.
- Activate your card upon approval.
- Start using your FIT Mastercard.
FAQs
How long does approval take?
- Decisions typically take a few days.
Can I increase my credit limit?
- Responsible use may qualify you for an increase.
How do I pay my bill?
- Payments can be made online, via the app, by phone, mail, or auto-pay.
How do I activate my card?
- Activate online or call the provided number.
The FIT Mastercard is a straightforward way to build credit while enjoying financial flexibility and security.
