Not everyone has perfect credit, and you could spend months or even years paying off all of your debt only to find yourself with a low credit score because you have no established credit. One way to combat this problem is to get a credit card designed for starting or rebuilding your credit. That is what the First Financial Federal Credit Union of Maryland offers with their Visa First Start credit card.
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In order to qualify for the First Financial Federal Credit Union of Maryland Visa First Start credit card, you do have to be a member of the First Financial Federal Credit Union. The good news is to become a member; you only need $5 to open your account. However, you do need to be an educator or work for the federal government in order to qualify as a member.
First Financial Federal Credit Union of Maryland Visa First Start Credit Card Overview
This credit card is not a rewards credit card, but it is an affinity card. What this means is that a certain percentage of your purchase total will be donated to the First Financial’s Kids First Fund.
You can apply for this credit card online and get an instant response to your query. Because this is a credit card to rebuild or start your credit, you do not have to have perfect credit in order to qualify. In fact, you can have bad credit and qualify for this card if the circumstances are right. As far as your credit report goes.
First Financial FCU of Maryland Visa First Start Credit Card Terms
The First Financial FCU does not provide all the terms for this credit card to nonmembers. You will have to become a member to learn all of the terms for this card; however, there are a couple of things that you will know in advance.
For example, the APR for this card is 15.9%. This is a variable rate based on the prime rate. The First Financial FCU claims that your rates can change without notice; however, this is not the case. According to the new credit card rules from the Federal Reserve, your credit card terms cannot change without a 45 day advanced written notice.
This is also a card with no annual fee as well as no balance transfer fee.
First Financial FCU of Maryland Visa First Start Credit Card Verdict
If you need to rebuild your credit, this isn’t a bad credit card to consider. You do want to compare rates between multiple companies as there are some credit unions that offer lower rates for cards to rebuild credit, although not many.
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