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Mastering the art of Master Card Fit requires a solid foundation, and that starts with understanding the basic principles. A Master Card Fit system typically consists of a series of cards, each with a unique number and suit.
To get started, you'll need to familiarize yourself with the different card types, including the Ace, numbered cards, and face cards. The Ace is the highest-ranking card, while the numbered cards range from 2 to 10.
Knowing the card values is crucial to making informed decisions during gameplay. For example, the numbered cards have point values ranging from 2 to 10, while the face cards are worth 10 points each.
Understanding the different card combinations and their values is also essential. For instance, a pair of 5s is worth 10 points, while a pair of Kings is worth 20 points.
Getting Started
You can easily apply for the FIT Platinum Mastercard in a simple process that takes just a few minutes.
To get started, you'll need to go through the application process, which is designed to be quick and straightforward.
The FIT Platinum Mastercard reports to all three credit bureaus, so using it responsibly will help improve your credit history.
If you have a poor or fair credit score, you still have a chance to get approved for this card, unlike many other premium rewards or cash back credit cards.
By applying for the FIT Platinum Mastercard, you'll be taking the first step towards building your credit score, as long as you use the card responsibly and pay it off on time every month.
On a similar theme: Platinum Card Meaning
Card Details
The FIT Mastercard is a credit card designed for individuals with bad credit scores. It's a 2023 credit card option that's worth considering.
This credit card has a unique feature that sets it apart from other options for bad credit scores. The FIT Mastercard is specifically designed to help individuals rebuild their credit.
The credit limit for the FIT Mastercard is not explicitly stated in the article, so it's best to check with the issuer for more information.
This credit card does not have an annual fee, which can be a significant cost savings for individuals with limited budgets.
Take a look at this: Why Are Credit Cards Bad
Using the Card
You can use your MasterCard FIT card to make purchases with retailers who accept MasterCard payments. This includes dining and travel expenses.
The initial credit limit is $400, so be mindful of your spending to avoid going over the limit.
You'll need to repay your bills on time each month to improve your credit score and access a higher credit limit in the future.
Credit Score and Limit
You can be approved for the Fit Mastercard with limited credit, which means less than 3 years of credit history. Other factors like income, debts, and credit history will also be considered.
The issuer will report your financial activity to the three main credit bureaus on a monthly basis, helping to rebuild your credit score and improve your credit history if you have poor credit.
To increase your credit limit, make sure to make your monthly payments on time for six months, and your credit limit should double from the initial $400 to $800.
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Paying your bills on time is crucial, as it will not only improve your credit score but also help you avoid late fees.
Here are some key tips for improving your credit score with the Fit Mastercard:
- Pay on Time: Make all payments on time to avoid late fees and negative impacts on your credit score.
- Keep a Low Balance: Aim to keep your credit utilization ratio low by paying off your balance each month.
- Monitor Your Credit Report: Regularly check your credit report for errors and discrepancies.
- Consider a Credit Counseling Service: If you're struggling with debt, a credit counseling service can provide guidance and support.
The starting credit limit of $400 may seem low, but it's enough to charge a few things to the card every month and pay off. After six months, you can apply for a credit limit increase if you need more available credit.
Applying and Approval
Applying for the Fit Mastercard is relatively straightforward. You can apply either by calling 1 (866) 449-4514 or by visiting the card's official website.
To check your application status, simply call the same phone number and follow the automated prompts. The issuer will need some information to match you to your application.
You can also apply for the FIT Platinum Mastercard by calling 1-866-513-4598 or online through the card's website. To complete your application, you'll need to provide your full name, Social Security Number, physical address, and date of birth.
If this caught your attention, see: How to Find Debit Card Number without Card
A hard pull will be done on your credit report when you apply for the Fit Mastercard, which may cause a 5-10 point drop in your credit score. There's no way to get pre-approved for the card.
If you're approved, you'll need to pay a fee, and after one year of using the account, you'll be required to pay a monthly maintenance fee of $12.50.
Check Application Status
If you're wondering how to check your Fit Mastercard application status, you can do so by calling 1 (866) 449-4514. This is the only way to check your status, as Continental Finance does not allow online status checks.
You'll need to provide the required information to match you to your application, so be prepared to share some details when you call. Don't worry, it's a quick and easy process.
To check your status, simply call the number and follow the automated prompts that lead to an application status check. Alternatively, you can connect with a representative and let them know you'd like to check your status.
Here's a quick summary of the steps to check your Fit Mastercard application status:
- Call 1 (866) 449-4514.
- Follow the automated prompts or connect with a representative.
Applying for a Card
Applying for a card can be a straightforward process. You can apply for a FIT Platinum Mastercard by visiting their website or calling 1-866-513-4598.
To get started, you'll need to provide some basic information, such as your full name, Social Security Number, physical address, and date of birth. A P.O. Box number won't be accepted.
The application process takes just a few minutes to complete, and you'll know the result shortly after. If you're approved, a card will be issued and mailed to you within three working days.
You can also apply for the FIT Platinum Mastercard on the website by clicking on "Apply Now" and answering a few questions. Annual income is one of the pieces of information you'll need to provide, which will help determine your initial credit limit.
Keep in mind that the application process will result in a hard pull on your credit report, which can cause a 5-10 point drop in your credit score.
Here are the steps to apply for the FIT Platinum Mastercard:
- Visit the website or call 1-866-513-4598
- Provide required information, such as name, Social Security Number, and physical address
- Answer a few questions, including annual income
- Know the result within a few minutes
- Receive your card within three working days if approved
Managing Your Account
You can manage your FIT Mastercard account online, which is a huge convenience. To access your account, go to the Continental Finance website or mobile app and log in with your username and password.
Once you're logged in, you can pay your credit card bill, view your credit card statements, and monitor your account activity. You can also change account information, such as your password and automatic payments.
If you need to reset or retrieve your username or password, click on the "Forgot Username or Password?" link on the Continental Finance login page and follow the prompts.
Logging into My Account Online
To log into your FIT Mastercard account online, go to the login page on the Continental Finance website or mobile app and enter your username and password in the appropriate fields.
You can find the login page by going to the Continental Finance website.
To log in, fill out the “Username” and “Password” fields with your credentials.
Click “Login To My Account” to access your account.
After you've logged in, you'll be able to manage your FIT Mastercard account online.
You can use the login page's prompts to reset or retrieve your username or password if you forget your login information.
To do this, click “Forgot Username or Password?” on the Continental Finance login page and follow the prompts.
Here's a step-by-step guide to logging in:
- Go to the FIT Mastercard login page.
- Fill out the “Username” and “Password” fields with your credentials.
- Click “Login To My Account” to access your account.
Track Your Expenses
Tracking your expenses is a crucial part of managing your account. This can be done efficiently with the help of a credit card.
You can use a credit card to track your fitness expenses, which is a great way to stay on budget while staying fit. This is made possible by features such as transaction tracking.
Credit cards allow for easy categorization of expenses, making it simple to see where your money is going. Online account management also makes it easy to keep track of your expenses from anywhere.
Rewards from top issuers can also be earned by using a credit card to track your expenses.
Reviews and Comparison
Reviews of the Fit Mastercard have been mixed, but many users praise the positive customer service experience they've had. The card's fees are a major drawback, with a one-time fee of $95, a high annual fee, and a monthly fee of $12.50 after the first year.
The Fit Mastercard has a relatively high regular APR of 35.90%, making it not ideal for carrying a balance from month to month. In contrast, the Capital One Platinum Credit Card has a lower regular APR of 29.74%.
Here's a comparison of the Fit Mastercard and two popular alternatives:
Reviews
Reviews of the Fit Mastercard are mixed, but most applicants seem to accept the high fees that come with it. The card has a $95 one-time fee, a high annual fee, and a $12.50 monthly fee starting from the second year.
Many reviewers praise the positive customer service experience they had with the Fit Mastercard. However, some reviewers were not happy with the high fees, which can make the card more expensive than other credit cards on the market.
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The Fit Mastercard can help you build your credit score, but it's not the only option available. In fact, there are other credit cards that can do the same while charging you a lot less in fees.
Here are some key facts to consider when looking at reviews of the Fit Mastercard:
- 629 reviews on the FIT Platinum Mastercard
- Most reviews were positive, praising the customer service experience
- A few 1 and 2-star reviews were also found, criticizing the high fees
Ultimately, whether or not the Fit Mastercard is worth it for you depends on your individual financial situation and needs. Be sure to carefully review the fees and terms before applying.
Compare Alternatives
The FIT Mastercard has some stiff competition in the form of other credit cards that can help you build your credit score without breaking the bank. The Capital One Platinum Credit Card, for example, has a WalletHub rating of 3.6 and an Editor's Rating of 5.0, indicating that it's a solid choice for improving your credit.
One of the key benefits of the Capital One Platinum Credit Card is that it has no annual fee, making it a more affordable option than the FIT Mastercard. In contrast, the FIT Mastercard has an annual fee that varies depending on the terms.
For more insights, see: Icici Platinum Credit Card
If you're looking for a credit card that offers rewards, the Capital One QuicksilverOne Cash Rewards Credit Card is worth considering. It has a rewards rate of 1.5 - 5% Cash Back, which is significantly higher than the FIT Mastercard's rewards rate of None.
Here's a comparison of the three credit cards:
It's worth noting that the Capital One QuicksilverOne Cash Rewards Credit Card has a higher annual fee than the other two options, but its rewards rate makes it a more attractive choice for those who want to earn cash back.
Worth a look: Travel Card vs Cash Back
Frequently Asked Questions
What is a fit Mastercard?
The FIT Mastercard is a credit card designed for rebuilding credit, offering everyday purchasing power and financial flexibility. It's an unsecured card with no security deposit required.
Is Fit Mastercard for bad credit?
Rebuilding credit? Yes, the FIT Mastercard is designed for individuals with less than perfect credit
What bank issues the Fit Mastercard?
The Bank of Missouri issues the Fit Mastercard. It's serviced by Continental Finance, but be aware of potential ongoing fees.
What is the standard Mastercard size?
The standard size for Mastercards is 3.375 inches wide by 2.125 inches high, ensuring compatibility with ATMs and point of sale devices. This dimension is the same as government-issued driver's licenses.
Sources
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