Credit Cards
Fortiva® Credit Card Review: An Objective Examination
Achieve your credit score goal - Fortiva® Credit Card will help you achieve your dream credit! Quick and simple process!
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Potentially helping you to rebuild credit over time
Crafted by the Bank of Missouri, the Fortiva® Credit Card serves as a targeted financial instrument explicitly designed to assist in building credit. It’s a card that comes with its own set of unique features and potential drawbacks.
Understanding these aspects is crucial for anyone considering this card. From high fees to high-interest rates and the lack of a credit limit increase option, each facet plays a role in shaping the user’s experience.
| Credit Score: | 300 – 669 FICO 300 – 850 VantageScore 3.0 |
| Annual Fee: | $49 to $175; after that $0 to $49 annually. |
| Purchase APR: | 22.74% to 36%; |
| Cash Advance APR: | 25.74% to 36%; |
| Other Fees: | Account Maintenance – $60 to $159 per year; Additional Card – $19; Balance Transfer – 3% per transaction; Cash Advance – 5% per cash advance; Foreign Transaction – 3% of each transaction in U.S. dollars; Late Payment – Up to $41; Returned Payment – Up to $41. |
| Welcome Bonus: | N/A; |
| Rewards: | None. |
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The Fortiva® Credit Card in action
Tailored for individuals with less-than-ideal credit, the Fortiva® credit card stands out by not necessitating a deposit, an appealing feature.
Nevertheless, it comes with elevated fees and interest rates, rendering it a relatively costly option.
Despite its associated costs, the card reports payment history to all three major credit bureaus, contributing significantly to the crucial process of building credit.
Therefore, it is an advantageous tool to help you achieve your financial goals quickly while enjoying credit!
Key advantages and possible limitations
While the Fortiva® Credit Card boasts various positive attributes that can prove advantageous, it is crucial to evaluate these benefits in tandem with the card’s drawbacks.
Positive aspects of the Fortiva® Credit Card
- Credit building: It helps those with little or imperfect credit to build or rebuild their credit score.
- No security deposit: No security deposit is necessary for the Fortiva® Credit Card, distinguishing it from numerous secured credit cards in the market.
- Credit score access: Provides complimentary access to your credit score and reports from all three major credit bureaus.
- Secure transactions: The card provides secure transactions with a tamper-proof EMV chip.
- Fraud liability: Provides fraud liability and complimentary transaction alerts for added security.
- Online account access: Provides easy online account access to view transactions and pay bills.
Challenges with the Fortiva® Credit Card
- High fees: The card comes with elevated annual and monthly maintenance fees.
- High-interest rates: The card imposes interest rates that are above the average in comparison to other options.
- Lack of transparency: The card lacks direct transparency about its fees.
- No credit limit increase: Unfortunately, the card does not permit applications for a credit limit increase, even with a positive payment history.
Your blueprint for getting the Fortiva® Credit Card
Becoming a member of the Fortiva credit card involves an online process, usually initiated by receiving an offer through mail correspondence.
Because it’s designed to help people build or rebuild their credit, Fortiva is likely to approve your application even if you have a poor to fair credit history.
Must-have qualifications for the Fortiva® Credit Card?
To apply for the Fortiva® Credit Card, you must meet the following qualifications:]
- Age: You must be at least 18 years old.
- Citizenship: Applicants must be legal citizens of the United States of America to be eligible for the Fortiva Credit Card.
- Acceptance Code: To initiate the application process for the Fortiva Credit Card, it is crucial to have the acceptance code associated with your application.
Routes you can follow to apply for the Fortiva® Credit Card
Despite this being a useful credit card with basic features, applicants cannot apply for it online.
Upon receiving an email offer, you can proceed to apply for the card. Check it out!
Completing your application online
If you’ve received a mail offer, visit the official Fortiva® Credit Card website and click on “Respond to Offer” to proceed with your application.
Utilize the acceptance code to review the terms and conditions on the card’s official website.
The acceptance code can be used, but it’s important to note that pre-approval doesn’t guarantee card approval.
The final decision will depend on the information found in your credit report.
If you successfully navigate through the pre-approval stage and proceed with the official application, you will receive a definitive approval or rejection based on your eligibility.
Try the Chase Freedom Unlimited® for a different experience
Selecting a credit card represents a substantial financial choice. It’s important to do your research, understand the terms and conditions, and consider your financial situation before making a choice.
If the Fortiva® Credit Card doesn’t align with your preferences, there are alternative options to explore.
One noteworthy choice is the Chase Freedom Unlimited®, offering remarkable benefits for cardholders seeking a rewarding experience!
Don’t miss our following article and learn more!
Chase Freedom Unlimited® Credit Card Review
Chase Freedom Unlimited® full review – Get limitless rewards on every purchase – 0% intro APR and no annual fee!
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