Building or rebuilding credit is a process that depends on consistent financial habits, and the right credit card can provide an opportunity to demonstrate responsible use over time. FIT Mastercard®, issued by The Bank of Missouri and serviced by Continental Finance, is designed with this purpose in mind, particularly for consumers whose credit history may make qualifying for traditional cards more difficult.
The card combines an initial $400 credit limit, monthly reporting to all three major credit bureaus, Mastercard acceptance, and digital account management tools. It does come with important costs that should be understood before applying, but for consumers primarily interested in establishing a stronger credit history, FIT Mastercard offers several useful features.
FIT Mastercard®
ZERO LIABILITY PROTECTION CREDIT REPORTINGBenefits of the FIT Mastercard®
The FIT Mastercard focuses more on credit building and accessibility than traditional rewards. Its main benefits include:
- Monthly reporting to all three credit bureaus: Account payment activity is reported to Experian, Equifax, and TransUnion. Consistent on-time payments can help establish a positive payment history, an important part of building credit.
- Less-than-perfect credit considered: The card is designed to consider consumers with different credit backgrounds, including applicants who may have difficulty qualifying for cards requiring stronger credit. Approval is still subject to the issuer’s evaluation.
- No security deposit required: FIT Mastercard is an unsecured credit card, so approved applicants do not have to provide a refundable security deposit as collateral before opening the account.
- $400 initial credit limit: Approved cardholders currently begin with a $400 credit limit. While relatively modest, it can provide a manageable starting point for consumers focused primarily on establishing responsible credit habits.
- Mastercard Zero Liability Protection: Eligible unauthorized purchases are protected under Mastercard’s Zero Liability Protection, subject to the program’s applicable conditions.
- Wide Mastercard acceptance: Cardholders can use FIT Mastercard for eligible purchases wherever Mastercard is accepted, providing the convenience expected from a major credit card network.
- Digital account management: Online Account Management and the mobile app allow cardholders to check balances and transactions, view statements and payment history, monitor due dates, and make payments.
Building Credit With the FIT Mastercard®
One of the most important features of the FIT Mastercard is its monthly reporting to all three major credit bureaus. When account information is reported regularly, the way a cardholder manages the account can become part of their credit history.
Simply having the card, however, does not guarantee that a credit score will improve. Responsible management matters. Paying bills on time, avoiding missed payments, and keeping the balance well below the available credit limit can contribute to healthier credit habits over time.
The initial $400 limit also means balance management deserves attention. Using most or all of a relatively small limit can result in high credit utilization. Cardholders who are primarily using FIT to build credit may therefore benefit from making smaller purchases and paying balances responsibly rather than treating the entire credit line as additional income.
Rates and Fees
This is one of the most important sections to review before applying for the FIT Mastercard. Although the card can provide access to credit without requiring a security deposit, it is not a low-cost credit card.
Approved applicants are currently required to pay a $95 Processing Fee before activating the account and accessing the available credit. This means consumers should factor in an upfront cost even though the card itself is unsecured.
The FIT Mastercard can also include an annual fee, a relatively high APR, and other charges depending on how the account is used. Because rates and fees can change, applicants should review the current pricing disclosures and Cardholder Agreement immediately before applying rather than relying only on advertised benefits.
Carrying a balance from month to month can make the card considerably more expensive because interest may accumulate. For someone primarily interested in building credit, paying the balance on time and avoiding unnecessary interest and fees can make the account easier to manage.
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Requirements
Applicants must provide enough information for The Bank of Missouri and Continental Finance to verify their identity and evaluate the application. Having less-than-perfect credit does not automatically prevent someone from applying, but approval is not guaranteed.
Applicants should be prepared to provide their full legal name, Social Security number, date of birth, physical residential address, and financial information such as monthly income. A P.O. box cannot be used as the physical address for the application.
The applicant’s information is used both for identity verification required under federal law and to obtain credit bureau information as part of the application review. The issuer considers this information when deciding whether to approve the account.
How to Apply for the FIT Mastercard®
The FIT Mastercard application can be completed online, and the process is relatively straightforward:
- Start the online application: Access the FIT Mastercard application and provide the requested personal information.
- Enter your financial details: Complete the requested information about your income and other details needed to evaluate the application.
- Submit the application: Your information will be reviewed to determine whether you qualify for the card. In many cases, a decision may be provided quickly, although some applications require additional review.
- Review the terms carefully: If approved, examine the APR, processing fee, annual fee, credit limit, and other applicable charges before proceeding.
- Pay the required Processing Fee: Approved applicants must currently pay the $95 Processing Fee before activating the account and accessing the available credit.
- Receive and activate your card: The card and welcome materials are generally mailed after approval. Once received, the FIT Mastercard can be activated according to the instructions provided with the card.
Frequently Asked Questions
1. Who issues the FIT Mastercard®?
The FIT Mastercard is issued by The Bank of Missouri, an FDIC-insured financial institution. Continental Finance services the FIT credit card account, including account management and reporting payment activity to the credit bureaus.
2. Can I manage my FIT Mastercard from my phone?
Yes. Cardholders have access to a mobile app as well as Online Account Management. These tools can be used to view recent transactions, check balances, review previous statements and payment history, monitor due dates, and make credit card payments.
3. How long does it take to receive a decision?
According to FIT Mastercard, most applications receive an instant decision. However, some applications require additional information or further review, and a final decision in these cases can take longer.
4. How quickly will I receive the card after approval?
FIT states that after approval, the new credit card and welcome materials are generally mailed within three business days. Mailing and delivery times can vary, so this does not necessarily mean the physical card will arrive within three days.
Is the FIT Mastercard® Worth Considering?
The FIT Mastercard® can be worth considering for consumers whose primary goal is building or rebuilding credit and who may have difficulty qualifying for more traditional credit cards. Monthly reporting to all three major credit bureaus, no security deposit requirement, Mastercard acceptance, and convenient digital account management are its strongest features.
However, the card’s fees and borrowing costs deserve careful attention. Before applying, compare the processing fee, annual fee, APR, credit limit, and other applicable charges with alternative credit-building cards. If the costs fit your budget and credit building is your priority, FIT Mastercard can be a practical option to explore.
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