Consumers that recently received a credit card mailer from Fortiva Financial pre-approving them for the Fortiva MasterCard Credit Card can complete the short application process online at www.fortivacreditcard.com. If accepted the Fortiva MasterCard comes with an initial credit limit up to $700.
One of the perks of becoming a new Fortiva credit cardholder is after at least 9 months of credit card usage your credit limit will be doubled to $1,400 as long as you’ve been making at least the minimum payment every month and using your card regularly.
Fortiva MasterCard Credit Card – Apply Online
The first step towards responding to the Fortiva mail offer you received is by visiting the online application site. You will need to find your Acceptance Code and enter it in the submission field on the Fortiva application homepage.
Your Acceptance Code identifies you and auto-fills in some of your personal information into the credit card application. This is helpful as it speeds up your application only requiring you to complete details such as your salary, employer, mortgage/rent payment, social security number, etc. It should only take a few minutes to finish and after clicking submit you will receive an instant decision that can take up to a minute.
After the short processing period you will receive a decision on your acceptance and find out your new credit limit. A Fortiva credit card will be sent to your mailing address so you can begin using it. If you do not receive an instant decision it may require more time to process so you will need to check back later.
Fortiva Credit Card Apply By Mail
If you’re not familiar with applying for a credit card online take the traditional route of completing the short application attached to the Fortiva mailer you received. Complete it and mail it back to Fortiva Financial. With this process there is no instant decision as you will need to count for mail travel time and processing time.
It may take up to 7 days to find out if you’ve been approved for a credit limit via Fortiva customer service. It is much easier and convenient for consumers to simply visit the online application site and complete that process which is dramatically faster than replying by mail.
The offer to receive the Fortiva MasterCard Credit Card is only available for a short time so consumers will need to apply online at www.fortivacreditcard.com before the expiration date. Normally credit card companies will give consumers around a month or so to take action before they pull the offer. You will need to enter your Acceptance Code on the homepage of the application site as it is personalized specifically for you.
Fortiva Credit Card Review – What to Consider?
The Fortiva Financial credit card is basically a credit card for consumers with poor to fair credit. It can be considered a starter card for many users and if this is your first credit card here are some key factors to consider when applying for this card:
- The mailer doesn’t specify the APR on the credit card so when you apply online make sure to find out what the APR is on the card before you commit to applying. You need to be aware of the interest the card is charging so you can compare with other credit cards in this range.
- Consumers also want to ensure if there is an annual fee for using the Fortiva card. If your credit is score is so low that it is prohibiting you from applying for a card with no annual fee then you may have to accept a card with an annual fee until you’ve shown through your credit history that you’re responsible.
- Are there any other additional fees charged for using the card? You’ll want to count up the cost with any credit card concerning its fees. Knowing them upfront will save you unnecessary charges that can be difficult to keep up with and pay.
Consumers should do their homework before settling on any credit card to make sure it’s charges are affordable and not too expensive for them. This Fortiva credit card review along with the mailer your received does not specify every detail about their credit card so you will need to find this information during the application process. If you consider their fees and rates too expensive then consider other credit card options.