Saturday, April 1, 2023

Is The First Access Visa Card Legitimate

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Discover It Secured Credit Card

First Access Credit Card Review

Compared to the Merrick Bank cards, the Discover it® Secured Credit Card comes out way ahead because of its potential rewards and its lack of an annual fee. Discover it® Secured Credit Card cardholders can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases – automatically. After seven months, Discover will review your account and may transition you to a card with no security deposit. Like all secured cards, the Discover it® Secured Credit Card will likely be available to you even if you have Limited/Bad/Poor credit history.


First Access Visa Application Process And Requirements

In order to apply for a First Access Visa® card you must meet the following requirements:

  • Be a US citizes
  • Be over the age of 18
  • Have a checking account

To apply for a First Access Visa® credit card you simply fill in an application form online. You will be asked to provide your personal information as well as information about your income and employment.

You can also pick the design for your new card. Here are the designs you can choose from.

Visa Debit Card Number Generator

You can create legitimate Visa debit cards on our website. We help you get all the details in a debit card, which includes card number. The debit card number is not valid in the real world. However, you can use it on websites, and the card would be accepted. This is because it agrees to the Visa card rules, such as fixed card number prefix. We use the Luhn calculation to make sure that these debit cards pass some approval. In other words, one can use these details for testing purposes and not for illegal transactions.

Get a Visa debit card with fake details from our website that helps in testing purposes.

Don’t Miss: First Premier Credit Card $95 Fee

First Access Visa Credit Card: Application Process And Requirements

You can apply for a First Access credit card by visiting the companys website. Then simply follow these easy steps:

  • A form will pop up where you can fill in your personal details.
  • Fill in your name and surname.
  • Add your street address and your zip code.
  • Fill in your contact details.
  • Do you have a checking account? Click on the yes or no answer.
  • Choose your free card design by clicking on it.
  • Check the terms and conditions box.
  • To get approved for your First Access credit card, you must meet the following criteria:

    • You must be 18 years or older
    • You must be a US citizen or a legal US resident
    • Have a valid social security number
    • Must have a checking account
    • Monthly income must be greater than your expenses

    Approval Time

    After you send your First Access credit card application, it may take a day for the bank to review your request. If its approved, it can take up to two weeks for your card to arrive in the mail.

    Is There A Difference Between Payment Gateway And Payment Processing

    First Access Credit Card Reviews

    A payment getaway and a payment processor are not the same things, yet they are both required to complete a debit or a credit card payment. A payment gateway creates a secure link in order to encrypt your credit card information. Also, it securely transmits data while the payment processor transfers funds.

    A payment service manages debit and credit card transactions on behalf of merchants, and they basically acti as a broker. Also, payment processors acquire transaction approval, interact with the issuing banks, and deposit payment into the merchant account.

    Recommended Reading: Comenity Bank Ultamate Rewards Mastercard

    First Access: Affordable Credit Card For Minimum Credit Score

    The third card in our top picks is the First Access credit card. This is a great card for people with bad credit or none at all to use in building up their credit score.

    First Access credit card has a very quick and simple application process when compared to their competition.

    Users just fill a simple form online and wait for a response from the issuer. Some credit card companies can take days before responding to an application, but with First Access, a customer is assured of a response in record time. Sometimes in as little as 60 seconds, applicants can get their response quickly.

    For a credit card for people with bad credit, it comes as no surprise that cardholders are not entitled to rewards and benefits.


    First Access enables a simple way to apply for a credit card without focusing too much on your initial credit score. This quick application process is topped by an even faster response from the card issuer.

    When an application is approved, a cardholder is welcomed with a bonus that waives monthly charges for cash advance transactions during the first year.

    This is to help give cardholders some window of relief, looking at the high charges they may have to pay on the card later.

    To lessen the lenders risk, the card has a lot of fees attached that are waived for the first year of use. Like the annual $75 fee, some of these fees get taken out of the credit limit set for customers for their first year. Cardholders pay $48 yearly after that.



    First Access Card High Chances Of Approval For Credit Card For Poor Credit Score

    Suppose youre a person who wants to keep in touch with the most reviewed credit cards and have access to cash at any time you want. For that purpose, mentioning First Access Card is not a bad idea at all, especially if you have a poor credit score and challenges with credit card applications. First Access Card appears to be a top-notch alternative for people who dont have a perfect credit score.

    Accepted nationwide, this unsecured credit card is the cheapest product on the market. This subprime credit card can be in your hands within just a few days after filing a fast and straightforward online application form. It is essential to know that First Access Card has extremely flexible approval requirements, which makes it available for many credit types, especially for the bad ones.

    First Access Visa requires a checking account and reports monthly to all major credit bureaus. This exceptional card provides the option to improve your credit score history and have a chance for a better card in the future as a credit card user.

    If youre a new cardholder with a First Access Card, you can afford $300 for emergencies, and after six months, you can increase your limit. Beyond the low annual rates and fees, this credit card has decent customer service and excellent reviews.




    • Some clients complained about the high initial deposit of $95.
    • There are some complaints about higher fees and rates than other credit cards.

    What Clients Say

    Recommended Reading: Loan Companies That Use Transunion Only

    First Access Credit Card Q& a

    Is First Access a good credit card?


    Yes. While some First Access Visa® credit card reviews complain about the many fees on top of the high APR, First Access is a fair option considering it offers flexible credit requirements, is generally easy to use and access, and almost always has a positive impact on credit scores. Its customer service also performs admirably. Additionally, all three credit bureaus receive its annual credit report on accounts, so you’re not just putting in work to build your score that data is also being recorded where it matters.

    Is First Access credit card legit?


    Yes it is. Even though you might be wary of the high APR and multitude of costly fees, theres no doubt that First Access is a legitimate card provider. The mere fact that it reports all activities to all three major credit reporting bureaus gives it credibility. In doing so, it also helps you build your credit score from the bottom up. Theres plenty of criticism that could be fairly directed at first access, but questioning its legitimacy wouldnt be reasonable.

    How do I pay my First Access credit card?


    Does First Access Visa® Card give increases?


    Behind the Fortunly name stands a group of enthusiasts – connoisseurs of all things financial – united around a single mission: to make the complicated world of money accessible to everyone.


    Unsecured Credit Cards For Bad Credit: Final Thoughts

    First Access Credit Card Review

    In this modern era, finances run from our hands like crazy. We often find ourselves in a situation when we need financial help from banks, loan companies, and other financial institutions. We can confidently say that the most common options for making payments and having funds for emergencies are the best credit cards for bad credit.

    Were pretty sure that from now on, you can find the best alternative for you, seek the lowest fees and annual rates, find the most suitable limit on a credit card, and have a remarkable experience with these worthy pieces of plastic.

    Read Also: First Premier Bank Gold Card

    Reflex Mastercard Most Popular For Small Businesses

    Regarding poor credit scores and the best credit cards for bad credit, we must mention another essential one, the Reflex Mastercard, always here to provide you with a particular amount of money even if your credit score is poor. The Reflex card provides several benefits for all credit scores with affordable fees and annual percentage rates.

    It is essential to know that this Mastercard provides reports to the major credit bureaus, which allows you to rebuild your credit score if you have on-time repayments. People appreciate this unique credit card for its fraud liability protection. You will never have to pay a single penny if your card is used for unauthorized transactions.

    When applying for this type of credit card, you should know that the official site of Continental Finance provides maximum safety and protection of your personal data by using 128 encryption technology.

    As a future cardholder, it is essential to know that Continental Finance is a reputable financial services company with an A+ rating from the Better Business Bureau. Coming with outstanding feedback and many satisfied clients worldwide, the Reflex Mastercard is definitely a card that will resolve your bad credit score and make you feel competitive in the financial area.



    • The rates for people with delayed repayments are astronomically high.
    • A cardholder must have a checking account.

    What Clients Say

    First Access Visa Approval Odds

    The First Access Visa is designed for cardholders with damaged credit, so even if your score falls in the bad or poor range or youve been through a credit disaster like bankruptcy, you should have a chance at approval.

    Unfortunately, however, Bank of Missouri does not offer preapproval for the First Access Visa via a soft credit pull. This means youll have to take a temporary score hit when you apply for the card, whether or not youre approved.

    See related: Pros and cons of soft pull credit cards

    Read Also: First Premier Bank $700 Credit Limit

    Merrick Bank Visa Card

    Of the three Merrick Bank cards, the Merrick Bank Visa® Card is the one that has the least to offer. The Merrick Bank Visa® Card features the same fee structure as the Merrick Bank Double Your Line Platinum Visa® Credit Card, without the “double your line” benefit. This makes the card quite expensivewith a potential initial cost of up to $171 between the setup fee and the annual fee, which is 4.5 times greater than the $36 for the first year. Billed $3 per month thereafter. initial cost of the Merrick Bank Secured Visa® Credit Card.

    Bottom Line:

    The Merrick Bank Visa® Card is the worst of a bad bunch, and we do not recommend that you get it. Those considering this card should consider other credit cards for poor credit, which we discuss below.

    Q1 Can I Get A Credit Card If I Have A Less

    New Card Art  First Access Visa® Credit Card

    Having bad credit does not necessarily mean a dead-end street. There are multiple credit cards specially designed for poor credit scores, and we have compiled a list above that vividly briefs all of them. These credit cards do not check credit score or financial history and accept every type of credit.

    The interest rates or annual fees for bad credit might be slightly higher than the other. Still, the options are not limited. Secured credit cards are often offered to customers with a bad credit score, and consumers have to deposit a minute amount in the account for a secured credit card. However, the money is paid back when the customer closes their account in a good position.

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    How We Make Money

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey.

    Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

    Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

    Capital One Platinum Secured Credit Card

    Though it requires a security deposit, the Capital One Platinum Secured Credit Card will almost certainly be a less expensive credit-building option than the First Access Visa. Not only can you put down as little as $49 and still get a $200 credit limit, but you can also be considered for a credit line increase after six on-time monthly payments and may eventually be able to graduate to an unsecured Capital One card.

    Also Check: Citi Best Buy Account

    Best Student Visa Card

    Who’s this for? The Journey Student Rewards from Capital One is a good choice for college students who are learning to use credit for the first time. Cardholders earn 1% cash back on all purchases, which is increased to 1.25% for every billing cycle that your account is in good standing . This is a great incentive to keep up with your monthly payments, which is important for having a good credit score.

    Upon account opening, you’ll receive a minimum credit limit of $300, which can automatically increase in as little as six months when you use your card responsibly. This card also has no foreign transaction fees, travel accident insurance, auto rental collision damage waiver and more.

    While most college student credit cards require you to be a student, the Journey Student Rewards card doesn’t. However, you’ll need to show that you meet the income requirements.

    Do I Need Customer Support For Using Credit Cards For Bad Credit

    First Access Visa Credit Card Review

    Well, of course, you need to. Even if you have all the required information about this type of credit card, you still need a clients support to resolve your concerns and answer all of your questions about these financial assets. Before choosing the perfect company and card for you, note that a credit card processing company offers 24/7 customer support for complete satisfaction.

    Read Also: How To Apply For Best Buy Credit Card Online

    What Is Online Payment

    Lets go through a transaction from beginning to end to have a better understanding of how online payments function. To begin with payment processing, you would normally require a merchant account, a payment service provider account, and a web page with a transaction initiating button.

    Website visitors will be able to pay for your online items and service once you set up your website and once you link it to an online payment system. When one of your customers visits your website, they will be able to pay for online membership fees and also registration fees.

    How To Apply For The First Access Visa Credit Card

    To apply for the card, you must be at least 18 years old.

  • Fill out the application with details like your name, contact information, financial information and residential status.
  • Review your application and submit it.
  • What credit score do I need?

    The Bank of Missouri doesnt specify a minimum credit score to qualify for this card. However, it states the card does not require perfect credit for approval. It aims for consumers with average and below-average credit scores.

    Read Also: Td Bank Gift Card Balance Phone Number

    First Access Best All In One Option

    The Bank of Missouri operates the First Access Visa Card under license from Visa U.S. Inc. The First Access Visa Card is not a secured credit card. Therefore applicants are not required to put down the total amount of their credit limit as a deposit.

    Also, the company has the reputation of being one of the best credit card processing companies. So, if you have a small business, this company can provide you with an easy and fast application method. Meaning, you have to fill out a simple form, and it will be instantly approved.

    Moreover, they clearly state their fees and rates in the Rates & Fees action at the top of the application page. It also emphasizes its program fee on the primary application page to increase awareness.


    They provide you with a fast and easy-to-fill-out online application. All you have to do is visit their official website, and the application will immediately pop up on your device. You can put your first name, middle initial, last name, address information, and some additional information such as your phone number, SSN, etc.

    They have an excellent customer care support team. So, if you have trouble with filling out their form or you have questions about their credit card processing terms, you can always contact them. They will be eager to help you out and provide you with answers to all of your questions.


    • No other significant cons found

    Customer Experience

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