If you’re struggling with your credit score and need a better relationship with credit, this FIT™ Platinum Mastercard® review is perfect for you.

Whatever caused you to get in this situation, having a bad credit score isn’t the end of the road. You can build your yellow brick road towards financial success again.

Read on to learn how the FIT™ Platinum Mastercard® can get you where you need to be financially.

The FIT™ Platinum Mastercard® is for people with poor credit scores who struggle to be approved for more demanding credit cards.

Nowadays, having a credit card is a necessity. With the popularization of the e-market, many people need them to buy everyday items.

There are many opportunities for discounts and facilities in the online markets that can only be accessed through a credit card.

It’s easy to get approved for this card. However, for the same reason, interest rates are pretty high. In addition, you will have to pay various fees, both annual and monthly.

If you consider that this money will be lost, hiring a secured card to recover your deposit after a certain period is better.

Consider the following highlight of the pros and cons of the card to see if it is the best option for you.

You can apply for the FIT™ Platinum Mastercard® online, quickly, regardless of your credit score. This card excels in credit-building features!

You can receive a $400 credit limit to use responsibly and reestablish your score. As it is a card without many requirements for approval, it has some fees to be paid.

It is not a card for your lifetime but can be a stepping stone to getting cards with lower interest rates and more benefits.

The FIT™ Platinum Mastercard® doesn’t require a good credit score for approval. It’s designed for those with fair or poor credit looking to rebuild their financial standing.

Applicants with limited or damaged credit histories can qualify, but approval isn’t guaranteed. Responsible usage, like on-time payments, helps improve credit.

Since it’s a high-fee card, using it wisely is crucial. Regular payments and low balances can boost your credit score, making better financial options available over time.

Age and Residency:

Social Security Number:

Physical Address:

Income:

Credit History:

Checking Account:

Start by visiting the official FIT™ Platinum Mastercard® website. Look for the application section, where you’ll find an online form requesting personal, financial, and contact information.

Fill in your full name, address, Social Security Number, and income details accurately. Providing correct information helps speed up the application process and avoids unnecessary delays.

Next, review the card’s terms and conditions. Understanding fees, interest rates, and repayment obligations ensures you make an informed decision before proceeding with your application submission.

After reviewing, submit your application for processing. The system evaluates eligibility based on provided details, credit history, and financial stability before determining approval or denial.

If approved, you’ll receive your card by mail within a few weeks. Activate it using the provided instructions and start using it responsibly to build credit.

You can’t apply for the FIT™ Platinum Mastercard® using a mobile app. Applications are only accepted through the official website to ensure accuracy, security, and proper identity verification.

This online-only process helps prevent fraud and ensures applicants provide complete financial details. By using a browser, FIT™ can better assess eligibility before making approval decisions.

While the mobile app helps manage payments and balances, applying still requires a website visit. This guarantees a controlled, secure process while meeting banking regulations and approval standards.

The FIT™ Platinum Mastercard® offers an unsecured credit line, while the OpenSky® Secured Visa® requires a security deposit, making it better for those rebuilding without upfront costs.

Unlike the OpenSky® card, which doesn’t require a credit check, FIT™ considers your credit history. This difference affects approval odds, especially for those with very low scores.

Both cards report to major credit bureaus, helping build credit. However, OpenSky®’s deposit reduces risk, while FIT™ provides an immediate credit limit without needing collateral upfront.

Check the comparison between both cards in the table below to get a better understanding of what they can offer.

If you want to apply for the OpenSky® Secured Visa® Credit Card instead, check the following link to learn more about the process.