Explore First Latitude

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

Rewards FAQ's

See First Latitude Rewards Program Terms & Conditions for details.

Simply apply for a First Latitude account today! Once approved, you’ll automatically be enrolled in First Latitude Rewards. You’ll earn 1% cash back on payments made to your First Latitude account, plus Up To 10% Cash Back on purchases at select merchants.^^

You can earn rewards by making payments to your First Latitude Credit Card or by shopping at participating merchants. Rewards are tracked as points:

  • • Payments: Earn 1 point for every $1 paid to your account, equivalent to 1% cash back in First Latitude Rewards^^
  • • Shop at participating merchants: Earn cash back when you shop at select merchants. Cash back rates will vary by retailer and are subject to change. You can view participating merchants and cash back amounts in your online account at Myccpay.com or the First Latitude Mobile App.^^

Once you have accrued at least 500 points, you can redeem your rewards for statement credits. Rewards can be redeemed online at Myccpay.com, in the First Latitude Mobile App or by calling our friendly customer service team. Points can be redeemed in 500-point ($5) increments and will be applied as a statement credit to your account. 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.

No activation is required. Cash back offers are automatically active and ready to use. Simply shop at participating merchants to start earning rewards.^^

Our list of participating merchants is regularly updated with new offers. You can view the most current list anytime in the First Latitude App or by visiting the Rewards tab at Myccpay.com.

Rewards are posted within 60 days of the qualifying transaction.

  • • Your account must be current (no past-due payments) and in good standing (not over the credit limit or in default).
  • • Rewards may appear as pending before they become available for redemption.

Please note: Timing may vary depending on your card’s terms and activity. If your account is not current or in good standing, rewards may be delayed.

^^ The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details

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