FAQ
Just click here to apply – it’s easy and most applicants know if they are approved within minutes.
The Annual Percentage Rate is the interest rate you pay for the whole year v. the monthly rate. To review the Annual Percentage rate for First Latitude, view Important Disclosures.
You can deposit between $200 and $2,000. Your security deposit will determine your credit limit.
Yes! Your deposit is fully refundable when you close your secured card account in good standing. You must pay the card off in full and you’ll receive your deposit back.
Usually, there is a decision within minutes, and you will get an acceptance message on our website. Sometimes, we’ll need some more information from you. Don’t worry – we’ll send you an email or a pending application letter with directions on how to move forward.
We offer an optional Expedited Processing Service for $19.95. With the Expedited Processing Service your secured credit card will be processed up to 7 days faster and is only available if you use a debit or prepaid card to fund your security deposit. The $19.95 will be applied to your debit or prepaid card account along with the security deposit amount selected to fund your secured credit card.
As this is a secured credit card, you may qualify for a First Latitude Secured Credit Card with no minimum score.
First Latitude reports to the three major US credit bureaus: Equifax, Experian, and TransUnion.
Anywhere Mastercard® cards are accepted! First Latitude is a real Mastercard credit card, which means it’s accepted at millions of stores in the U.S., around the world and online.
You can contact our customer service line at 1-888-491-6609.
A request form is available at https://www.transunion.com/get-credit-report
See First Progress Rewards Program Terms & Conditions for details.
Rewards FAQ's
Apply for a First Latitude Secured Mastercard account today and start earning 1% cash back based on payments that you make to your First Latitude account. After opening your account, you are automatically enrolled in First Latitude Rewards.
Rewards are earned by making payments to your First Latitude Secured Credit Card and are tracked as points. You will earn 1 point for every dollar of payment made to your account which equates to 1% cash back in First Latitude Rewards. Cash back is provided in the form of statement credits.
One you have accrued at least 500 points, you can redeem your rewards. Rewards can be redeemed online via the Customer Center at Myccpay.com or by calling our friendly customer service team. Points can be redeemed in 500-point increments and will be applied as a credit to your card account. Each 500-point redemption will result in a $5 statement credit. Rewards redeemed as a statement credit to your First Latitude account are applied to your outstanding account balance. You must still make regularly scheduled payments.
First Latitude Rewards do not expire and are good for the life of the account. However, if your account is closed for any reason, you will lose any unredeemed rewards.