First Access Visa Credit Card 2020-Missouri Access-MO Access
People with poor credit can use the First Access Visa® credit card (issued by the Bank of Missouri), but having a bad credit card will not cause you to have poor credit. With a high activation fee, but no bonus at all, this card was restricted and punished. Release yourself and choose another card.
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Benefits
- A monthly service fee does not apply to the first year
- People with a poor reputation may qualify
- Simple online application
Disadvantages
- The actual annual interest rate is very high
- One-time membership fee and a monthly fee
- Need a current account
Fact
Use a fully functional and fully functional unsecured Visa® credit card that is accepted in millions of merchants and ATMs across the country and online for security and convenience
Introduction About Missouri Access (MO Access) Credit Card
If you have had credit difficulties in the past, or want to improve your credit score, it is difficult to get approval for a new card. In this case, First Access Visa credit card is specially designed for customers. The card contains a simple application, after approval, you can use it to start building a reserve balance.
Unfortunately, there are some additional fees associated with the card. You have to pay a high fee to start the program once, and then pay a high annual fee in the first year. After the first year, the annual fee dropped slightly, but it was still higher than many products. However, starting from the second year, you will be charged a monthly service fee, which makes your total annual fee higher than many other cards in this category.
The card also charges non-refundable fees to the supplementary card and charges a large number of fees, depending on the percentage increase in the credit limit when requesting a credit limit. Therefore, if you use this card to increase your balance, you have to pay any fees.
At Any Flash
- The initial credit limit $ 300
Other functions of the card
The First Access Visa credit card has no other benefits except for replenishment. However, the $300 credit line may be beneficial to some people. You can also request an increase in your credit limit after 12 billing cycles, although there will be a charge.
How the card stack?
Although the First Access Visa credit card is a great way to provide credit for people with poor credit, you should first consider other options. Let’s take a look.
First access Visa Credit Card with Discover it Secure
Discover it Secured provides greater benefits than First Access Visa. In other words, Discover it Secured provides a real reward plan. You can get 2% cash back for shopping at gas stations and restaurants, up to $1,000 per quarter, plus, in all other purchases, you can get unlimited 1% cashback.
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The disadvantage is that the deposit that DiscoveritSecured requires you to return must be equal to your credit limit. However, if you have a sufficient deposit, the chance to build credit while earning rewards will definitely give Discover Card an advantage. Even better, you can use Discover’s free FICO credit report to observe the growth of your balance.
First Access Visa vs. Secured Mastercard from Capital One
Another good choice is CapitalOne Secured Mastercard. Just like the discovery card, you must have a deposit, but the amount is flexible. There is no annual fee, so you can consider the annual fee as a security deposit, except that you do not have to pay every year and it will not affect your credit limit like a first-entry visa. When you finally close the Secure MasterCard and become an unsecured card, you will also receive a deposit. You can also pay on time for five months without paying additional deposits to increase your credit limit.
First Access Visa vs. Credit One Bank Platinum Rewards Visa
If you don’t want a secure card, the Visa Credit OneBank® Platinum Rewards credit card is very similar to the First Access Visa card. You need to pay an upfront fee of $95 for the $300 credit line (actually only $205, which is the fee). However, unlike First Access Card, Credit OneBank® provides a 1% cashback reward for eligible purchases. There is also no monthly fee, so your fees are usually lower.
Is the card suitable for you?
As you can see from the above example, your First Access Visa credit card should indeed be the last resort. If you want to get rewards while building a balance, you can use a secure credit card (requires a deposit) to do better.
For unsecured credit cards, there are better options to rebuild credit. Please avoid using this card unless you really need it as an emergency loan to take advantage of the introductory cash advance fee.