What do you have to say about 3 of the most popular credit cards for bad credit in the present times? These credit cards for people with bad credit are the Surge MasterCard Credit Card, the First Digital Card and the Fit MasterCard Credit Card.
People have a lot of mixed opinions and thoughts about these financial instruments. What you need to know about each one of them is that not all of them are going to suit you. Obviously, you will have to pick just one for your lifestyle and purchase habits. Your expenses and your daily needs are going to dictate what credit card for bad credit / no credit you should pick from these three options.
Coming To The Review Of The Surge MasterCard Credit Card
Let us start with the interest rate of this credit card which is a variable 25.90% going up till 29.99%. This annual percentage rate is going to be applied on all your purchases and is considerably higher even if you are looking to improve your credit.
It is an unsecured credit card. Yes, the Surge MasterCard credit card is a credit builder credit card but Celtic Bank considers everyone as an applicant to this financial instrument who has a less than stellar credit in their name. The initial limit of this credit card is $300 to $750. Depending upon your creditworthiness, you may be offered a secured version of this credit card instead.
Now Coming To A Few Pointers About The First Digital Next-Gen MasterCard Review
The very first thing that you will notice is that it is very easy to apply for this credit card online. It has a very streamlined application process and if you have a less than perfect credit score in your name, go for this financial instrument without giving it a second thought.
The credit limit can be upgraded. This is also a good point about this credit card because eventually you will have to move beyond the initial $300 credit limit. The bank is going to consider your application of credit line increase and depending upon your creditworthiness, they will assign you an upper limit.
Other Aspects About This Credit Card To Keep In Mind
Global Service
This credit card is accepted around the world. You get emergency assistance whenever and wherever you need it. This means that even if you misplace your credit card, you can request an instant replacement for the same.
Zero Liability Protection
You do not have to panic if there has been any unauthorized transaction on your credit card. Just report this transaction to the Synovus Bank and they will take care of the rest.
You can also get customized notifications and messages regarding any suspicious activity relating to your credit card account.
Now Let Us Talk A Little Bit About The Fit MasterCard Credit Card
Nobody is going to run a credit check on you and the entire process of qualification is very simple and fast.
The three major credit bureaus such as Equifax, Experian and TransUnion will be getting information about your credit card usage on a regular basis.
The initial credit limit is $400 and depending upon your credit worthiness, you can get it increased as well probably after just using it for 6 months. You also get free access to your credit score. Fees are relatively higher as compared to other financial instruments. There is an $89 processing fee which is a onetime charge. The annual fee is $99 which is reduced to $75 after the first year.
Choosing the right secured credit cards for bad credit does not come easy. It is going to be a difficult choice and you have to sit through the pros and cons of each financial instrument. Be careful while you make this choice.
