Fit Platinum Mastercard: Find Out If It’s Worth Having

The Fit Platinum Mastercard is a card designed for individuals looking for a practical and efficient way to build or improve their credit score. 

This card is particularly beneficial for those who are just starting their financial journey and want to establish an excellent credit score.

If you’re considering this card, keep reading to discover everything it has to offer, from how the credit limit works to the fees and benefits.

How does the card’s credit limit work?

The Fit Platinum Mastercard’s credit limit starts at $400, depending on your credit evaluation. This initial limit may seem modest, but it has the potential to increase over time. 

Continental Finance and The Bank of Missouri periodically review your account, considering factors such as your timely payment history and responsible credit use.

After six months of consistent and responsible use, you may be eligible for a credit limit increase, which gives you greater purchasing power and financial flexibility.

Discover the card’s main fees

Like any credit card, the Fit Platinum Mastercard has some fees that users should be aware of before committing. Here are the main ones:

• Annual Fee: $99 in the first year. After that, it increases to $125.
• Monthly Maintenance Fee: $0 in the first year, then $150 ($12.50 per month).
• Cash Advance Fee: $0 in the first year, then $10 or 3% of the amount of each advance.
• Foreign Transaction Fee: $0 in the first year, then 3% of each transaction made outside the U.S.
• Late Payment Penalty Fee: Up to $41.

These fees are important to consider when deciding if the Fit Platinum Mastercard is the right card for you. 

It’s crucial to keep your payments on time to avoid penalties and maximize the card’s benefits.

Check out the main benefits the card offers

The Fit Platinum Mastercard offers a range of benefits that can be extremely valuable, especially for those focused on improving or building their credit. 

Each of these benefits is designed to provide security and convenience to the user, as well as offer essential tools for credit management and growth.

Zero Liability Protection

Zero liability protection is one of the main features offered by the Fit Platinum Mastercard.

This benefit protects you against unauthorized charges, ensuring that in case of fraud or theft, you won’t be held responsible for the amounts of fraudulent transactions. 

This provides an extra layer of security for your purchases and peace of mind knowing that you’re protected against fraudulent activities. 

Zero liability protection is especially important for users who frequently make online transactions, where the risk of fraud may be higher.

Monthly Reports to Credit Bureaus

Another significant benefit is the inclusion of monthly reports to credit bureaus.

Each month, The Bank of Missouri, the issuer of the Fit Platinum Mastercard, sends your payment history and card balance to the three major credit agencies: Equifax, Experian, and TransUnion. 

This process is crucial for those looking to build or improve their credit, as a positive payment history can directly influence your credit score. 

This means that by making timely payments and maintaining good financial behavior, you can gradually see your credit score increase, which facilitates access to better credit conditions in the future.

Free Monthly Credit Score

In addition, the Fit Platinum Mastercard offers free credit scores to its users. Every month, you’ll have access to your FICO credit score, one of the most widely used metrics by lenders to assess an individual’s creditworthiness. 

This feature is extremely useful as it allows you to monitor your progress and make adjustments as needed. 

By regularly tracking your credit score, you can quickly identify any issues or areas that need improvement, which helps maintain or even increase your score over time.

Online Account Management

Online account management is another notable benefit of the Fit Platinum Mastercard. Through an easy-to-use account portal, you can securely and conveniently access all information related to your card. 

This portal allows you to view balances, track transactions, make payments, set up alerts, and manage all aspects of your account without having to call customer service or visit a bank branch. 

The convenience of having all this information at your fingertips makes financial control easier and helps avoid unpleasant surprises like unexpected balances or missed payments.

Knowledge Base

Finally, the knowledge base offered by Continental Finance is a valuable tool for Fit Platinum Mastercard holders. 

This online resource provides a wide range of educational information on how to effectively use your credit card and how to improve your credit score. 

It includes articles, tips, and guides that cover everything from best practices for using the card to strategies for avoiding common financial pitfalls. 

With access to this knowledge base, users can continuously educate themselves on better credit management, which is especially helpful for those starting their credit journey.

How to Apply for the Fit Platinum Mastercard

If you’re ready to apply for the Fit Platinum Mastercard, the process is simple and straightforward. Here are the steps to follow:

• Visit the official Fit Platinum Mastercard website.
• Click on the “Apply Now” button to start your application.
• Fill in the required personal and financial information.
• Review the terms and conditions before submitting your application.
• Submit your application and wait for approval.

Applying online is quick and convenient. Click the link below to get started and enjoy the benefits of the Fit Platinum Mastercard as soon as possible.

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