Apply for FIT Credit Card: The FIT Credit Card is designed for individuals looking to build or rebuild their credit. Issued by the Bank of Missouri and serviced by Continental Finance, this card provides an opportunity to establish a positive credit history.
Are you looking for an easy-to-get credit card that helps improve your credit score? The FIT Credit Card could be a great option. It offers a $400 initial credit limit, which can double after six months of responsible usage. Plus, it reports to all three major credit bureaus, making it easier to boost your score.
This guide will walk you through the entire application process, from eligibility to approval, so you can apply with confidence.
Benefits of the FIT Credit Card
Before applying, it’s essential to know what you’ll get with a FIT Credit Card. Here are some of its key benefits:
1. Helps Build Credit
One of the biggest advantages of the FIT Credit Card is that it’s designed for people with poor or no credit history. By using it responsibly, you can improve your credit score over time.
2. Reports to Major Credit Bureaus
Your payment history is reported to Experian, Equifax, and TransUnion, the three main credit bureaus in the U.S. This means timely payments can help boost your credit profile.
3. Initial Credit Limit and Increases
- The card starts with a $400 credit limit.
- After six months of on-time payments, you may qualify for a credit limit increase up to $800.
4. Easy Online Account Management
With the Continental Finance mobile app and website, you can:
✅ Check your balance
✅ View transactions
✅ Make payments
✅ Set up alerts
5. Free Monthly Credit Score Access
Users get free access to their VantageScore powered by Experian, helping them track their credit progress.
Eligibility Criteria for the FIT Credit Card
Not everyone qualifies for the FIT Credit Card. Here are the key eligibility requirements:
✅ Age Requirement: Must be at least 18 years old (or 19 in some states).
✅ Residency: Must be a U.S. citizen or permanent resident.
✅ Income Requirement: Must have a verifiable source of income to afford monthly payments.
✅ Credit History: The card is meant for those with poor to fair credit, so a high credit score is not required.
Documents Required for FIT Credit Card Application
When applying, you’ll need to provide certain documents:
- Government-issued ID (Driver’s License, Passport, or State ID)
- Social Security Number (SSN)
- Proof of Income (Recent pay stub, tax return, or bank statement)
- Valid U.S. Address (for billing and card delivery)
Step-by-Step Guide to Applying for the FIT Credit Card
1. Apply Online
Applying for the FIT Credit Card is simple and can be done in just a few minutes.
🔹 Visit the official website of the FIT Credit Card.
🔹 Click on the “Apply Now” button.
🔹 Fill in your personal details, including name, SSN, and income.
🔹 Submit the application and wait for approval.
2. Apply via Phone or Mail
If you prefer, you can call FIT Credit Card’s customer service or mail in an application form.
3. Approval Process
- Some applicants receive instant approval.
- Others may have to wait 7-10 business days for a decision.
- If approved, you’ll receive your credit card by mail within 14 business days.
How to Check Your Application Status
If you haven’t received a response, you can check your application status:
🔹 Online: Log in to your FIT Credit Card account.
🔹 Phone: Call customer support for updates.
Understanding the Fees and Charges
Before applying, it’s important to know the fees associated with the FIT Credit Card:
| Fee Type | Amount |
|---|---|
| Annual Fee | $99 |
| Monthly Fee | $6.25 |
| APR (Interest Rate) | 29.99% |
| Late Payment Fee | Up to $40 |
Tips for Getting Approved
Want to increase your chances of approval? Follow these tips:
✔ Check your credit score before applying.
✔ Reduce your debt to show financial responsibility.
✔ Ensure all information is accurate on the application.
✔ Maintain a stable income to meet financial requirements.
What to Do If Your Application Is Denied?
🔸 Check the reason for denial.
🔸 Improve your credit score before reapplying.
🔸 Apply for a secured credit card as an alternative.
FAQs about Applying for a FIT Credit Card
1. What are the eligibility criteria for the FIT Credit Card?
To apply for a FIT Credit Card, applicants must be at least 18 years old, possess a valid Social Security Number, and have a U.S. mailing address. Additionally, a review of your credit history will be part of the eligibility process to ensure compliance with credit standards.
2. How do I apply for a FIT Credit Card?
You can apply for a FIT Credit Card online through the official website. The application process involves filling out a form with your personal and financial details, such as your name, address, income, and employment information. Be prepared to provide supporting documents if required.
3. What kind of benefits does the FIT Credit Card offer?
The FIT Credit Card offers various benefits including initial credit limit increases, fraud protection, and free online access to your credit score. Additionally, cardholders may qualify for rewards and discounts on purchases, depending on the card’s current offers.
4. Are there any fees associated with the FIT Credit Card?
Yes, the FIT Credit Card may include certain fees such as an annual fee, late payment fees, and foreign transaction fees. It’s important to review the terms and conditions to understand all applicable fees.
5. How long does it take to get approved for a FIT Credit Card?
Approval times can vary, but most applicants will receive a response immediately after submitting their application online. In some cases, additional information might be required, which could extend the approval process.
6. Can I manage my FIT Credit Card account online?
Yes, cardholders can manage their FIT Credit Card accounts online. This service allows you to check your balance, view transactions, make payments, and more, all from the convenience of your device.
7. What should I do if my FIT Credit Card is lost or stolen?
If your FIT Credit Card is lost or stolen, you should report it immediately to the customer service department. They will guide you through the process of securing your account and issuing a replacement card.
Final Thoughts
The FIT Credit Card is an excellent option for those looking to rebuild their credit. With easy approval, credit limit increases, and reporting to major credit bureaus, it provides a great opportunity to improve your creditworthiness.
Ready to apply? Follow this guide, and you’ll be on your way to securing your FIT Credit Card in no time!
