First Savings MasterCard®
First Savings Bank is introducing MasterCard® SecureCodeTM, which is a free service designed to enhance your existing First Savings Bank MasterCard® account. It's a private security code which protects you against unauthorized use of your card when you shop online at participating merchants. The SecureCode acts just like a Personal Identification Number (PIN) at the ATM, all you do is enter your private SecureCode during checkout at participating online merchants when prompted by First Savings Bank. Once your identity is confirmed, your purchase is complete.
|Credit Target||Type||Annual Fee||BT Intro APR||Purchase Intro APR||Regular APR||Rewards|
|Poor Credit||Personal||See Terms*||N/A*||N/A*||See Terms*||None|
This MasterCard offer is issued by First Savings Bank. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is and may be as high as 29.9%*See Terms, depending on your credit worthiness*.
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. Please see the application disclosures regarding the annual fee.
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.
Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 578 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any First Savings Bank product.
This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.
Applications appear to be available by invitation only. Company is located in South Dakota.
There were 6 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 83% of those applicants were approved.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 578, then your chance of approval may be even greater.
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
Based on community reviews, we found that 100% of 4 users recommend this card.