In this article, I will provide you with some insights into the Fortiva credit card as well as answer common questions such as ‘can I use my fortiva card before it arrives’. So, stick till the end to not miss any detail that may otherwise help you get a better grip on this card.
Fortiva: A secure credit card for people with bad credit history
Secured credit cards, which demand a security deposit, are a popular choice if you have terrible credit or no credit history. However, if you apply for a Fortiva credit card, even with less-than-perfect credit, you can be eligible for an unsecured card without a security deposit. However, your payment history is recorded by major credit agencies, which can help you develop credit, and you can monitor your credit score online. There are annual fees and account maintenance costs.
Things that you need to know about the Fortiva Credit card
One of the reasons you might be turned off by the Fortiva credit card is the absurdly high fees. Although a security deposit is not required, there are numerous extra costs that add up to hundreds of dollars.
- Each cardholder’s annual charge varies depending on a variety of circumstances. Your first year’s annual charge could range from $49 to $175. The cost will range from $0 to $49 following the first year.
- Account Maintenance Fee: Cardholders must also pay a $60 to $159 maintenance fee.
- After the first year, cardholders must pay a balance transfer fee of 3% of each transfer’s value.
- Penalty Cost: If a payment is missed, a penalty fee is assessed. The cost is determined by what the current legal framework enables. The cost might be as high as $40.
- Foreign Transaction Fee: For any transaction made outside of the US, cardholders are charged a 3% transaction fee.
Reviews on Fortiva’s website indicate that customers are generally satisfied with the support they receive. It is considerably simpler to oversee transactions and ban your card if necessary because Fortiva’s app allows you to keep track of your credit card.
Given that the Fortiva credit card is a registered member of the Mastercard network, its security features are relatively comparable to those of any other Mastercard. Transaction alerts are sent to cardholders to let them know whenever their card is used.
Additionally, Fortiva offers liability protection, so you won’t be responsible for any purchases made using your lost or stolen card.
Check out our 4 easy steps to Activate Online Belk Credit Card
Can I use my Fortiva credit card before it arrives?
Well, the answer is yes you can indeed use a Fortiva credit card before it arrives by the virtue of it providing the virtual credit card service in which you can use the card until it arrives in its physical form via mail. What you have to remember is that a Fortiva Cash Card virtual number is not available through Fortiva. However, you can use Click to Pay to obtain a virtual card number for a Fortiva Cash Card.
Simply click the icon that resembles a box with two arrows pointing to the right when you check out with participating shops to sign up for Click to Pay with a Fortiva Cash Card. Lowe’s, Marriott, Papa John’s, and 1-800-Flowers.com are just a few of the businesses that accept Click to Pay.
Additionally, Fortiva offers liability protection, so you won’t be responsible for any purchases made using your lost or stolen card.
Are there any risks involved in using your Fortiva Credit card before it arrives
Generally speaking, using a digital wallet or virtual account number is quite secure. “This method has security measures to guarantee that the phone belongs to the cardholder, helping to reduce the risk of fraud.”
Additionally, Fortiva offers liability protection, so you won’t be responsible for any purchases made using your lost or stolen card.
However, using a new card before it arrives could result in bad spending habits, so keep that in mind. Using a credit card you can’t see may make it much simpler to overspend, just as using credit cards makes spending money feel less “painful” than directly handing over cash. The fundamentals of ethical credit card use are the same whether you use a real card or a virtual one: never charge more than you can reasonably pay off, make on-time, full payments on all bills, and attempt to utilize less than 30% of your available credit.
How can you make fortiva credit card payment?
After having answered can you use your Fortiva credit card before it arrives, its finally time we get into one of the tasks that you will undertake as a part of the usage of the card which is how to make payments. The below steps shall you how exactly:
Online
Open your online account and sign in. From the main menu, select the payment button.
Using a mobile app: Get the app for Android or iOS. Enter your account information next, choose your card, then tap “Make Payment.”
Phone
Enter your card information when you call (800) 245-7741 or the number printed on the back of your card. Then, adhere to the instructions to pay with a credit card.
To pay your account, write a check or money order (not cash) to the mailing address listed on your statement. Send it as soon as possible to ensure delivery by the deadline. Include your credit card information on the cheque as well.
Author’s Choice: Activate your Navy Federal Credit Union Credit and Debit card
Conclusion
The Fortiva credit card may be available to you without a security deposit if you need access to an unsecured line of credit but have bad credit. Utilizing your card properly will help build a solid credit history and raise your credit score because Fortiva will record your payment history to the three main credit agencies.
The card, however, lacks a rewards program and has exorbitant fees. The Discover it Secured card is a wise substitute if you want a less expensive option and don’t mind making a security deposit. You can earn rewards on your regular purchases, and there is no yearly charge.
