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The First Access VISA® Credit Card

Approval Odds

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2.8 out of 5 stars
17 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

3 out of 5 stars

3 5

Most Helpful Positive Review

Jun 09, 2016
seanjk1218 Cardholder

PS my score went from 540 to 630 tran 602 Equifax and 615

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Most Helpful Negative Review

Mar 07, 2016
There payment process sucks
caselaw Cardholder

I have the first Access visa and the total visa both great cards only one serious problem with there payment system, it takes almost 72 hours to post to your acoount if you made your payment on a friday using the money gram express system it still takes 72 hours to post and it takes 72 hours for your money to be available for use, because the system is down friday saturday sunday and wont post till monday at midnight, the system shows you delinquent because the system fails to credit your account on a timely manner and will access a $37 late fee when infact you made your payments on its due date or a day before its due on a friday, this is wrong and should not happen, money gram post your money immediately once you make the payment but mid america bank & trust website is very cheap low budget that manages our accounts on line, i know they can do better than this to better manage our on line banking. not very happy with there on line system very cheap website with no class.

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These reviews were written by current and former cardholders in the last year.

Jan 30, 2017
Anonymous Cardholder

Could not review without clicking "I own it", "I had it", or "I applied"  None of these are the case.

I never heard of this company until I started receiving spam emails from them. 

I have blocked them and would never trust a company that would send spam emails to people who have never contacted them first. 

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Dec 15, 2016
Yeah you get approved but
Anonymous Cardholder

Yes you do get approved,  however bad part is where is the customer service,  you call and it takes forever to speak to someone,  and then beware of the reps you talk to because they will lie to you that your card was sent and it wasnt yet just to get you off the phone.I have had 6 payments paid on time and they sent me 6 statements and then when i asked for a CLI after 6 months they declined it trying to say it wasnt 6 months yet, and to me it's like they are happy to send you and email with a decline decision.

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Oct 29, 2016
Waste of Time

I've had this card over 2 years. You must pay a $89 processing and activation fee to begin using the card. I was given a $300 limit when I initially applied and opened account. After over 12 months of timely payments, sometimes multiple payments per month, I received no offers of a credit limit increase. Trust me, this credit card company has no incentives for being a responsible accountholder. I finally received a $50 credit limit increase after logging into my account and requesting an increase. What a waste! They report monthly to the credit agencies but with a credit limit so low and no incentive to increase your limit, your credit score will not benefit from having this card. My advice is to look for other card options. This one is a waste of time. I recently closed my account because of the issues outlined here. 

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Oct 22, 2016
CCredit42 Cardholder

I applied with 523 score, got approved with me proving my income . Awesome, because I'm disabled and on a tight budget . Thank you, First Access!

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Oct 14, 2016
Don't Waste Your Time
JamesHoller Cardholder

While yes they approve you, they also sit on your payments for 14 business days...not calendar days...what a joke! Use this card at your own peril!

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Oct 04, 2016
Great for rebuilding credit
Cristaterk Cardholder

I opened a secured credit card through Open Sky and then a month later was approved for this unsecured card. It gave me a $50 increase after 6 months on on-time payments. The only downfall is that I do not know when they report the balance to the credit bureaus and even though I pay it every month, it sometimes shows my highest balance for the month. Easy to make payments online and they are applied the next day.

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Sep 18, 2016
Anonymous Cardholder

Don't waste your time!  I assure you it's not worth it! I've had this card for almost 2 years; never late or missed a payment and NEVER got an increase. I have zero debt, derogatory marks or collections. I haven't asked for an increase but you'd think with no defaults they would just give it to you in good faith. What a waste!

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Aug 25, 2016
It's OK
mrswillette Cardholder

Ther is an $89 fee you have to pay up front before you can use the card and the fee can be paid by debit or credit card. Also There is a $75.00 anual fee which is taken from the card as well. I would suggest that you make your payment at least two weeks before the due date. If you pay by debit or credit card, you can only make one payment every five days online. Other than that, the card should only be used to build your credit. 

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Jul 21, 2016

DO NOT GET THIS CARD! The worst decision I ever made!  They charge a $89 processing fee, $75 annual fee. With a $300 credit line (which was only $225, after they subtracted the $75 annual fee). They will report to the credit bureaus in 1 WEEK after you activate your card. I activated my card on July 2. They reported to EQ & EXP on July 10. I almost maxed my credit limit ( the balance was $274) which is 91% utilization. Which I was going to pay off in 2 weeks. They didn't even give me time to make the payment. The bill wasn't due until August 4th. Mind you I activated the card on July 2. Guess what happened? My Equifax credit score was decreased from 636 to now 523. I am so upset. The goal was to REBUILD my credit, not damage it even more. WOW!! But wait, I thought it take CC companies at least 30 days to report new card accounts. Open Sky waited approximately 3 weeks to report my secured card account. Which only had 19% utilization (I received a 74 point increase via Equifax). For some reason neither CC companies reported to Trans Union. 

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Aug 03, 2016

thanks for the tip, did it ever report payment yet?

Aug 25, 2016

well, u did almost max the card out per your own statement.. so it really isn't their fault.. everything u read about credit cards tell you NOT to spend more than a percent on the avail credit.. it will report automatically when you do.. "credit utilization" at least you learn from your own doing..

Sep 01, 2016

Anytime you open a new Account your score will always drop.

Jun 28, 2016
Great for rebuilding credit
Wulfdane Cardholder

First Access is a great card for those who are rebuilding their credit. Like most cards that help people with bad credit, you do pay a monthly fee, but it is a small fee that is well worth it when you consider your options.

I have never had a problem with the company, I've only called customer service once for a card replacement and they were very friendly. First Access has played a big role in rebuilding my credit and I'm grateful for it. Most of the complaints I see about First Access are from people do not understand what they are applying for or are blaming the company for their mistakes.

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The First Access VISA® Credit Card