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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. The Annual Percentage Rate for First Latitude is 23.49%.

You can deposit between $100 and $2,000. To ensure compliance with high cost loan disclosure guidelines, deposits between $101 and $169 will not be accepted. 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.

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Important Disclosures

The First Latitude Card Secured Mastercard® is issued by Synovus Bank, Columbus, GA, Member FDIC. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents at any time.

¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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