First Latitude Platinum Mastercard® Secured Credit Card
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- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Building credit starts immediately when you open your account - just pay your bill on time to establish your credit.*
- Reports to all 3 major credit bureaus
- First Latitude is accepted wherever Mastercard® is accepted, online and worldwide!
- Pay 6-months-on-time and apply to get a second credit card in your wallet!
*Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards |
|---|---|---|---|---|---|---|
| Poor Credit, Limited Credit, Fair Credit | Secured | $25 for the first year, after that $35 annually | N/A* | N/A* | 24.24% (V) | Cash Back |
First Latitude Platinum Mastercard® Secured Credit Card Quick Summary:
This is a Mastercard cash back rewards card, issued by Synovus Bank. This is a secured card that does not issue a traditional line of credit. The purchase APR is 24.24% (V).
Important Rates:
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. There is an annual fee of $25 for the first year, after that $35 annually for this card.
Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.
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 544 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 Synovus Bank product.
Other Basics:
Uses for this type of card may include budgeting funds, adding deposits for later use, building a credit rating (if issuer reports to the credit bureaus), and possibly more.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 (subject to available credit).
Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.
This card has a very poor approval or acceptance rate. Since this is a card for poor credit, high fees or APRs may be contributing factors for people that decide to accept this card. Furthermore, if your FICO score is close to or higher than 544, then your chance of approval may be even greater.
Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
Community Opinion:
Based on community reviews, we found that 0% of 1 user recommend this card.
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