Fit MasterCard®

Picture of Fit MasterCard®
13 Reviews
Consumer Rating:
2.5
Lowest:
506
Average Score:
567
Highest:
653
All
5 Star
0%
4 Star
0%
3 Star
69%
2 Star
15%
1 Star
15%
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Credit Score: 532 Credit Limit: 500 Age: 55-64
Income On Application: $1800
Posted 09/11 2018
Overall Rating:
I receive message after message (for weeks now) that the credit card has been sent and requesting the processing fee. The representative I just spoke to told me that the card will be mailed when I pay the fee. So, they are lying to me. Either about the credit card already being sent or that I have to pay the fee before they will send it. Reporting this to the BBB, the Federal Trade Commission, and my state Attorney general.
 
Credit Score: 602 Credit Limit: 400 Age: 25-34
Approved 1 Year after Bankruptcy
Income On Application: $80000
Posted 08/20 2018
Overall Rating:
I do not recommend this card at all. I reluctantly paid an $89 processing fee for a $400 credit limit to continue building my credit after a bankruptcy 1 year ago. When I called to activate the card I was then told by a customer service representative who sounded very tired (and/or stoned) that a $99 annual fee had been applied to the card as well. When I questioned why I was given a generic answer about terms being based on my credit. I again questioned why I had to pay an $89 processing fee then and was again given a generic answer about terms of approval being based on credit. I then stated I didn't want the card then and wanted to be refunded the $89. I was then told that I could pay the balance of $99 and then cancel the account and the $89 would then be refunded. I then questioned again, "So basically you just stole $99 from me either way? Whether I keep the card or cancel it?" She replied that I agreed to the terms of the card. I again stated that I agreed to pay the $89 processing fee. I was never told about the $99 annual fee until today when I called in to activate the card and no I do not agree to the terms, hence why I do not want the card. She again told me I could pay the balance of $99 and then cancel the account and the $89 would then be refunded. I hung up at that point. I do not recommend this card at all!
 
Credit Score: 576 Credit Limit: 500 Age: 35-44
Posted 04/19 2017
Overall Rating:
I was approved but was asked to put a $150 deposit for a $500 limit. I decided to accept it and made the deposit. One thing to be aware of is that it took about 10 days for that deposit to clear. My payments also took about 7 days to clear. So my best advice is just to use 10% to 20% of you limit (for credit utilization purposes) so that you can still use the card while the payment is on hold.
 
Credit Score: 512 Credit Limit: 500 Age: 35-44
Posted 04/06 2017
Overall Rating:
I wrecked my credit when I was young and just recently through a job loss. I have been rejected by a couple of secured cards like US Bank and even Citi. I also got turned down by Credit One. I took a chance when I got this offer in the mail and was approved.

The fees are high but I guess that there is a price for rebuilding. The only complaint I have is that they put your payments on hold for 7 days.
 
Credit Score: 583 Credit Limit: 500 Age: 35-44
Posted 04/01 2017
Overall Rating:
I got the mail and here were the terms offered to me.

$125 AF. From 2nd year, it becomes $96.
$10 a month fee from 2nd year onwards.
APR: 30.49%
Limit: $500

The fees are absolutely crazy. I'll stick to my capital one and needless to day, I did not apply. My score was about 583 TU though (as a reference).
 
Credit Score: 543 Credit Limit: 500 Age: 25-34
Posted 03/27 2017
Overall Rating:
Ruined my credit because of bad choices I had made and a lot of it was due to ignorance on my part. I have the opensky secured card at the moment (it is a good card) and I am now looking for an unsecured card rather than another secured one.

I got the pre-approved offer in the mail and I applied and got approved. I had to deposit $150 though to get the $500 limit. I decided not to proceed since I am looking for an unsecured card.
 
Credit Score: 564 Credit Limit: 500 Age: 35-44
Posted 03/17 2017
Overall Rating:
I got the offer in the mail and decided to bite the bullet. The fees are high but I am willing to pay the price to rebuild. I think the plan is to charge just about $30 to $50 a month on the card and pay it off in full. And then cancel before the year and annual fees are up.
 
Credit Score: 613 Credit Limit: 500 Age: 25-34
Posted 03/11 2017
Overall Rating:
I would say that I am currently in the second phase of my rebuilding. I already have 2 secured cards and am now looking to step up to getting an unsecured card. I have been rejected by credit one and first premier. So I decided to get this card even though the fees are high compared to credit one. I got approved for $500. The high APR does not bother me since I pay my bills in full every month.
 
Credit Score: 506 Credit Limit: 500 Age: 25-34
Posted 02/23 2017
Overall Rating:
Please be aware of the payment holds - about 7 to 10 days.
 
Credit Score: 653 Credit Limit: 500 Age: 35-44
Posted 02/16 2017
Overall Rating:
Got 2 pre-approved mails, one from fit and the other from reflex. When I looked in greater detail, I realized they are from the same issuer. I have been denied by a few other cards so I applied just for the fit and got approved for $500. The fees are high but I guess I have to live with that for a while as a rebuilder.
 
Credit Score: 510 Credit Limit: 500 Age: 25-34
Income On Application: $55000
Posted 01/27 2017
Overall Rating:
Got the offer in the mail and decided to apply. I got approved but had to deposit $150 to get the $500 limit.
 
Credit Score: 637 Credit Limit: 500 Age: 18-24
Posted 01/16 2017
Overall Rating:
I got the pre-approved mail and applied. These are the terms I got.

Annual fee: $125 for the first year, then $96.
Monthly Fee: None for the first year, then $10 a month which makes it $120 a year.
Limit I got was $500.

Aside from this card, I also got a Credit One card with a $75 annual fee.
 
Credit Score: 540 Credit Limit: 500 Age: 25-34
Posted 01/13 2017
Overall Rating:
I got this card offer in the mail along with another card called reflex. It looks like it is from the same folks because the fees are the same. My credit is in the dumps now after a divorce. So I took the plunge and applied. I was approved but it was not instant or immediate. I had to make call them to verify address, utility bill etc. I was approved for $500 but had to put a $150 deposit.

I plan to use this for less than a year and then cancel the card. Hopefully, I would be able to get a lower fee card then.