Mid America Bank & Trust Company is the issuer of the First Access Visa Card. This VISA credit card is among the few that do not require a high credit score in order to receive approval.
Whether you are a first time holder, or you are seeking to upgrade your card, it may be difficult to know where to start. The process of looking for the right lender should be a slow and steady process, as finding the right card and qualifying for it may pose a challenge.
First Access Card Login
The First Access card doesn’t require cash collateral. It sets a reasonable and conservative credit limit, letting you get used to the use of a cash in advance line, and making payments to your account. By following these parameters set by the creditor you are able to show the credit bureaus your financial habits and establish your credit score. If you’re having trouble logging into your First Access account, you’re not alone. It can be tricky, like the ezcardinfo credit card login. Here are the steps to take:
There is no minimum score required for approval for this card. Many cardholders take advantage of this opportunity to gain approval for a card and then begin to build their payment history and either establish or repair their score.
The application process is very simple. In fact, you can expect to complete the process and gain receive within one minute.
This card is a great option for anyone who has a low score and needs an opportunity to rebuild that score. However, it does have its drawbacks. There’s a set up fee, a yearly fee, and even a monthly fee beginning in the second year.
The total amount of charges for the first year is $154, plus a $29 fee for additional cards. In addition, the annual fee of $75 reduces your initial spending limit from $300 to $225.
If you use the card in a responsible manner, bearing a small balance, and you always pay your bill on time and in full, you should see this positive payment history reflected on your score after 6 months or so.
As long as you pay your credit card in full by the due date each month, you will not be charged any interest on your purchases. The due date is at least 21 days after the end of each billing cycle.
Summary of this Card
- Access to cash in advance, even if you have poor credit history.
- Fast and simple protected Online Application.
- Get a response within 60 seconds!
- Reporting to 3 major reporting agencies.
- Monthly reports at the three major agencies.
Required Information to Apply:
- Your name and address.
- Your telephone number, e-mail address and date of birth.
- Your Social Security number.
How to Log In and Pay Your First Access Visa Card:
Step 1 – First of all you need to access their www ccpay website. Go to the top right menu and click on ‘Pay Fee’ button.
Step 2 – Now submit your Application ID and Date of Birth in the required field. Then click on ‘Submit’ button.
Step 3 – Now the portal will guide you through paying your bill.
How to Apply
Step 1 – The application process is simple. Go to their website. From the home page click on the ‘Apply Now’ button.
Step 2 – On this page please put all of your information. Once you have filled out the required fields press the ‘Continue’ button.
Step 3 – Then you will receive a confirmation email that the process is complete.
How to Active Your Card:
Step 1 – To active your card visit the home page. Click ‘Activate Card’ from the top right menu.
Step 2 – Put your card number, social security number and phone number on this page. Press ‘Activate’ after filling in your information.
Step 3 – Now they will activate your card through a confirmation mail.
Aside from allowing you to use your line of credit to make purchases without having cash in hand, the First Access card also allows you to build your payment history.
- Great for people with limited payment history or a low credit score.
- Payments are reported monthly to the three major credit bureaus that are responsible for building your credit.
- Limits raise $50 every six months for good standing accounts.
- Unlike many other, there is no advance payment required to open an account.
- $75.00 annual fees for opening and $48 starting the second year.
- $89 (one time) processing fee paid before the card is issued.
- Service fee for the first year is free, from next year ($75 yearly) $6.25 a month.
The First Access card also has a mobile phone app. You can easily install the app on your iPhone or Android phone. The app is user friendly and easy to use. You can download it from App Store or Google Play Store.
Then you can view your statement and make payments online.
For any inquiries or problems, you may contact the bank at:
Phone – (888) 267-7980.
PO Box 89028, Sioux Falls, SD 57109-9028