The First Access VISA® Credit Card Reviews

Approval Odds

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1.9 out of 5 stars
12 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

2 5

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

Dec 04, 2017
Rip Off
Anonymous Cardholder

This card is a total rip-off.  Please stay away

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Nov 30, 2017
Great to build credit
Blaqroz72 Cardholder

Obviously no one read that there is an $89 professing fee to get the $300 then $75 will be charged. These credit cards like this have been around for a long time. This card will help you build credit fast. I applied didn’t pay the processing fee yet and got my card in 3 days. People have complained of not getting the card after they were approved. Not sure how that happened when I got mine in 3 days after being approved and will be paying the $89 fee. I think a lot of people are mad because they didn’t read the fine print. There are other cards to get.

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Nov 10, 2017
No getting because of the reviews
Anonymous Cardholder

I am not getting this card because of bad reviews. People with a median credit score cannot afford to take risks. 

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Jul 11, 2017
Anonymous Cardholder

When i applied i was approved and then customer service told me the card was sent,   beware they will lie to yoiu,  I applied in mid June 2016 and i didnt get the card til  MID AUGUST,   when i called they kept saying it was already sent,  and it wasnt.       Also i checked my credit report and they are 6 months behind in reporting my payments  and why i dont know,  all my payments have been made on time,  amazing  how they how to charge the annual fee and monthly fee but they cant report accuracy of my credit report for my ontime payments.

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Jul 10, 2017
Terrible card, Please stay away.
xXTrailerGODXx Cardholder

I got this card to try and build my credit. They first charged me a 80 something dollar amount processing fee to just start their card. Then they gave me a card with a 300 dollar limit. and 2 weeks later removed 75.00 from the card for an annual processing fee. The Interest rate is a wopping 26.99%. So 2 weeks after I got it, I have canceled the card and for having a card for only 2 weeks I lost something like 160.00. I was fully aware of the processing fee and annual fee when I signed up, I just wasn't aware that the annual fee would be charged less then 2 weeks after I get the card. An annual fee should be charged when you have used the card for a period of time. The other issue is, to make sure you always pay your annual fee, they remove 75.00 from your available credit so they can bill your card as they need and charge you 26.99% interest on it when they do. Please don't make the same mistake I did. Stay far away from this card. If you are trying to rebuild your credit as I am, please use a different card. 

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Jun 04, 2017
Anonymous Cardholder

Took forever to receive card

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Apr 08, 2017
Anonymous Cardholder

FOR the paying process is slow but they explain that to you at the beginning  in less than a mounth My credit score wen UP 14 points !!!

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Apr 02, 2017
Waste of MONEY!!!
Anonymous Cardholder

There are better cards out there than this card. Try Capitalone.

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Mar 15, 2017
Ok card to build credit
rroman86 Cardholder

I've had this card for about 9 months then application process was easy. You have to pay $89 to apply and then $125 to activate the card. I pay my card in full every month so I haven't had any issues. If you use their website to make payments and you pay with your debit card the payment clears within 24 hrs if you do it through your bank acct it take up to a week to post. The easiest way for me to make my payments was to do bill pay through my bank it clears as soon as they receive the payment. Only bad thing about the card is that they offer zero benefits at all. I've made all of my payment on time and rarely have a balance and they gave me a $50 CLI after 6 months (capital one gave me $1000) I was going to close it but I was told it would hurt my credit since I've had it for almost a year. 

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Data Created: February 02, 2015

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The First Access VISA® Credit Card