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User Rating:

Credit Card Details:

Quick Summary:
This MasterCard offer is issued by Other. This is a secured card that does not issue a traditional line of credit. Many consumers use secured cards to help establish or re-build their credit ratings as long as the issuer reports to credit bureaus (see offer details below about reporting information). APR's may vary among applicants, however the lowest standard APR is 19.50%.

APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 19.50% will apply immediately. The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates.

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO score of at least 385 is recommended for a higher chance of approval for the First Option MasterCard®, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
This card is intended for people that want a secure line of credit. 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. A secured credit line may be compared, or is similar to a debit card.

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.

Approval Rate:
This card has a poor approval or acceptance rate. Since this is a card for poor credit, moderately high fees or APRs may be contributing factors for people that decide to accept this card. If you believe that you fall into the credit record of "Poor Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 385, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

The First Option MasterCard® Secured credit card is a Real credit card that will provide you with all the privileges of MasterCard® credit card.

Card Categories:

• Student Credit Cards
• Debit Cards, Prepaid Debit Cards & PrePaid Credit Cards
• Bad Credit OK
• Mastercard® Credit Cards

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