Apply of First Digital NextGen MasterCard Credit Card

Since credit cards can make minor purchases convenient, it is important for consumers to have one.

However, consumers should also keep in mind that credit cards are not a necessity. They should also think about the interest rates before signing up for one. The First Digital NextGen MasterCard Credit Card is a credit card that is specifically designed for people who have had some credit problems – but not for people who hates paying high interest rates. Just make sure that you are ready to should a lot of fees before, after, and during acquiring one.

How to apply for First Digital NextGen MasterCard Credit Card?

First Digital NextGen MasterCard Credit Card is a “NextGen” card which means the application process can be done online. It’s as simple as filling out a form on their website and submitting the required documents for successful application.

After that, the approval process can take as little as 1 minute. First Digital NextGen MasterCard Credit Card will then ask you other personal documents for identity verification and to proceed with contract signing. Finally, wait for your credit card to arrive at your doorstep within a week or so.

Frequently Asked Questions about First Digital NextGen MasterCard Credit Card

• Does First Digital NextGen MasterCard Credit Card include the Zero Liability Fraud of MasterCard?

Yes. First Digital NextGen MasterCard Credit Card is a credit card that offers zero liability fraud protection against counterfeit cards and lost or stolen cards.

• Does First Digital NextGen MasterCard Credit Card include the Global Service of MasterCard?

Yes. First Digital NextGen MasterCard Credit Card is the ultimate travel card that provides a coveted Mastercard Global Service. First Digital NextGen MasterCard Credit Card offers a suite of benefits and top-tier services, including: Purchase Protection and chargeback protection, travel medical insurance, car rental insurance, and basic cardholder concierge service.

Rates and Fees of First Digital NextGen MasterCard Credit Card

Annual Fee: First Digital NextGen MasterCard Credit Card’s annual fee is relatively average to high if you compare it to other credit card issuers. The fee can cost you $75 for the first year and $48 after that.

Late Payment Penalty Fee: In case a credit cardholder was unable to pay their monthly dues on time, a late payment penalty fee of $41 is charged to their accounts.   

Returned Payment Fee: Forfeit transactions are what causes returned payment fee. With First Digital NextGen MasterCard Credit Card, cardholders are charged $41 in case they created forfeit transactions due to insufficient balances on their account.

Monthly Service Fee and Program Fee: Luckily, First Digital NextGen MasterCard Credit Card don’t charge any monthly service fee if it’s your first time using their financial services. However, after that, a monthly fee of $99 every year is charged. Moreover, First Digital NextGen MasterCard Credit Card’s one-time payment program fee can cost you $95.

Interest Rate: Unlike any other credit card issuers, the interest rates of First Digital NextGen MasterCard Credit Card are fixed with a rate of 35.99%. That number is considered high knowing that their credit limit is not more than $500. The same fixed interest rates is charged on cash advances.

Minimum Credit Score needed: Before approval, First Digital NextGen MasterCard Credit Card require applicants to at least have a minimum credit score of 600 to 650 – making if a perfect credit card for people with poor to fair credit scores.

Other fees: If a cardholder wishes a credit limit, a fee of $25 for every $100 limit increase is charged by the First Digital NextGen MasterCard Credit Card. Moreover, other expenses of the latter include an express delivery fee of $35 and $3 for photocopies of documents. .

The rates and fees of First Digital NextGen MasterCard Credit Card are considered to be relatively average to high – which makes it perfect for people who are looking for a credit card that can rebuild their credit and doesn’t care about paying lots of fees.

Final thoughts

A credit card offers a way to pay for a purchase without having to carry the cash with you. It can also offer a way to build up credit – especially with credit cards like First Digital NextGen MasterCard Credit Card. The latter can help you build a reputation of good credit history, but you have to pay the drawbacks including high interest rates and lots of fees.

Anyhow, if you are looking for a new credit card and want to enjoy the benefits that it has to offer, the first digital next-generation MasterCard credit card is your best option. This card is a multi-currency, multi-location, and multi-currency card, which is a major advantage that is not offered by many other cards. It is a card that is not limited to a particular card type and is one of the cards that can be used for any type of purchase.