First access credit card.

[Anonymous]

To all who said do not get this credit card. I wish I had listened. This is the worst credit card company I dealt with. They treat you like crap. Please listen to these people. You will be sorry you ever got this credit card. PLEASE DO NOT GET THIS CARD. THEY TREAT YOU LIKE A 5 YEAR OLD CHILD.

[Anonymous]

welcome to the forums! sorry to hear about that! 

[Pitt570]

Sorry about your experience with them.

[revjamesl]

Very nice. Congrats!

[Anonymous]

Seems like you would have been better off with a secured card from a credit union or something

[Erusidhion]

    Another card to add to my Sub-Subprime Unsecured Credit Card thread to list all of these types of cards. Predatory yes but if used in the right way they can be beneficial at certain life events. I think I have a majority of them now but I had never heard of this one at all until now. It's the same bank that runs the Total Visa card it seems. Same fees and everything. Sorry to hear you had a bad time with them. I haven't dealth with a subprime credit card customer service representative yet.

[DaveInAZ]

Never heard of them.

https://firstaccesscard.com/rates

Annual Percentage Rate (APR) for Purchases 29.99%

Set-Up and Maintenance Fees Notice: The Annual Fee will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Based on your initial credit limit of $300.00, your initial available credit will only be $225.00 ($196.00 if you choose to have an additional card).

Processing Fee $89.00 (one-time fee).
Annual Fee $75.00 for first year
Monthly Servicing Fee None for first year (introductory)
After that, $75.00 annually ($6.25 per month).

Hmm, sounds like Credit One, First Premier & Joe the Loan Shark have some serious competition.

[Anonymous]

That is why I'm closing credit one and milestone this month. Can't wait until I get paid. That will leave me with Walmart and amazon and one quicksilver 1