Fit Mastercard – How to apply

By Marcos • 11/29/2024

Make the most of your purchasing power with the FIT credit card Mastercard, issued by the Bank of Missouri.

Its wide acceptance allows you to make purchases at a variety of establishments.

With a very attractive initial credit limit, this card offers an excellent opportunity for those wishing to build or improve their credit history. 

Don’t miss the chance to turn your shopping into an even more advantageous experience!

How does the Fit Credit Card work?

Unlike many conventional cards, it offers a real chance of obtaining credit, even for those who have faced financial difficulties in the past. 

The approval process is relatively simple, allowing more people to have access to this financial tool.

Once approved, the user can use it for purchases in establishments that accept Mastercard, both in Brazil and abroad. 

The Fit card also allows ATM withdrawals, as a way of providing greater flexibility in emergency situations. 

The card also offers an initial credit limit, which can be adjusted based on the user’s payment behavior. 

On-time payments are key to increasing this limit and improving the credit score, making the Fit card not just a form of credit, but an opportunity for financial rehabilitation.

Main benefits of Fit Credit Card Mastercard

The FIT offers an excellent opportunity for those wishing to expand their purchasing power, with an initial credit limit of $400. 

It is accepted anywhere Mastercard is accepted and you can use your card for a variety of purposes, from everyday purchases in stores and restaurants to travel and online shopping. 

What’s more, the FIT card can be a valuable tool for rebuilding or improving your credit score. 

By making your payments on time and keeping your balance below the limit, you not only enjoy the benefits of the card, but also contribute to improving your credit history.

Another great benefit of the FIT Mastercard is Mastercard’s Zero Liability Protection, which guarantees that you won’t be held responsible for unauthorized charges. 

What’s more! Bank of Missouri, the card’s issuer, accepts applicants with less than ideal credit, making it accessible to a wider audience. 

Payments are reported to the three main credit bureaus – TransUnion, Experian and Equifax – which allows you to monitor your progress in rebuilding credit. 

Cons of Fit Credit Card 

One of the main concerns is the interest rates, which can be high compared to other credit cards available on the market. 

If you don’t manage to pay this off in the first month, interest will start to accrue, which can further increase the total cost. 

Another disadvantage is the limited initial credit limit, which may not meet the needs of all users. 

For those who tend to make larger purchases, this restriction can be an inconvenience. 

In addition, increasing the credit limit depends on payment behavior, which can take time for those who are just starting to build up their history.

APR and Fees

The regular annual percentage rate (APR) is a fixed 35.90%, which can be high, especially if you can’t pay off the balance in full each month. 

In addition, there is a one-time processing fee of $95, which must be paid in full with another payment method before activating your FIT card. 

Additionally, the card charges an annual fee of $99 in the first year, followed by $125 in subsequent years. 

This fee is charged immediately after the card is activated and is counted towards your credit limit, thus reducing the amount you can use. 

There is also an initial maintenance fee of $0 in the first year, which becomes $150 from the second year onwards, charged monthly at $12.50. 

How to apply for the Fit Credit Card Mastercard

Applying for a FIT credit card Mastercard has never been so simple and convenient. You can start the application process directly on this website or, if you prefer, call 1-888-673-4755. 

To access your FIT credit card, you will need to provide some essential personal information, including: 

• Full name, as recorded on government documents, 
• Social Security number, 
• Date of birth and physical address – remember that PO Boxes are not accepted. 

This information is requested for two main reasons: 

• First, to comply with Federal Law, which requires verification and registration of the identity of each card applicant; 

And second, to allow us to carry out a credit analysis using the data from your credit bureau, together with information such as your monthly income. 

All the data you provide will be treated with total security and confidentiality, making your application experience quick and efficient.