Credit Card Review & Application

First Option Visa Card


out of 5

- Get a real VISA Credit Card
- Up to $5,000.00 Secured Line of Credit
- Be Approved Regardless of Credit History or Income*
- Guaranteed approval VISA credit card
- No credit check

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 19.50% (fixed)*
Annual Fee: $59*
Card Issuer: New Millennium Bank
Card Network: VISA®
Card Category: Consumer (Secured)
Card Type: - Card for Bad Credit
- Guaranteed Approval
Credit Needed: Bad Credit OK*

First Option Visa Card is a secured card created for individuals who want improved credit worthiness rankings. It's a special credit card that charges moderate but highly competitive interest rates. It is an ideal credit card that's very easy to get and promises a lot when used properly.

There is no balance transfer feature but cash advances are allowed for a 2% transaction fee.

Card members have to pay a $59 annual fee.

Online account management ensures budget conscious individuals are able to monitor card spending and keep an eye out for unauthorized transactions. Online bill payment is yet another online related service allowing card members pay their bills with little stress.

Travel accident insurance comes at no extra cost. This insurance assists the families and beneficiaries of card members who are accidentally dismembered while on flight. To qualify, the card member must charge entire cost of travel to this card. Auto rental insurance is another feature to protect card members from attaining liability in event a rental car is lost, stolen or damaged. Extended warranty on purchases, and emergency cash and card transfers are additional card benefits from VISA.

Being on the largest network in the United States allows card members access to the numerous merchants, ATMs and online stores accepting the Visa brand. Approval for this card is almost guaranteed once identity checks have been carried out.
There are no credit or income verification checks.

A unique benefit of applying for this card comes from the fact that the issuing bank reports to all three major credit bureaus. This allows card members the benefit of uniform growth in their credit reports. Card members who qualify best are given higher credit limits according to how much they deposit into an account held by the issuing bank. This amount serves as a security deposit in event the card account becomes severely delinquent, the issuing bank then deducts its fees and monies owed before giving any remaining balance back to the card member.

First Option Visa Card is a unique secured credit card enabling young adults; persons with limited or poor credit ratings build a solid credit rating over time. With good spending habits, and early repayment, card members are able to enjoy the benefits accompanying unsecured credit cards over time.

See applicable terms and conditions.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: - Internet related services
- VISA card benefits
- Emergency cash transfers
- Auto rental Insurance
- $100,000 Travel accident Insurances
- Extended Warranty protection
Credit Reporting: Yes
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 19.50% (fixed)*
Annual Fee: $59*
Grace Period: 0 days*
Min Credit Line: $300
Max Credit Line: $5,000
Late Payment Fee: $20.00*
Over Limit Fee: $20.00
Balance Transfer: No
Cash Advance Fee: 2.00%
Minimum Fee: $1.00
Maximum Fee: $20.00
Additional Fees Processing fee: $99.95

We do not offer online application for this card at the moment.

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† The information provided for First Option Visa® Card is believed to be accurate at the time of evaluation (Sep 7, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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