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  The First Latitude MasterCard® Secured Credit Card

The First Latitude MasterCard® Secured Credit Card

in Personal Credit Cards from Synovus Bank

Claimed

The First Latitude MasterCard® Secured Credit Card

Claimed

in Personal Credit Cards from Synovus Bank

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 25.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 750
Annual Fee $0

The First Latitude MasterCard® Secured Credit Card Review

This is a secured credit card credit card issued by Synovus Bank. If you're wondering whether The First Latitude MasterCard® Secured Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of The First Latitude MasterCard® Secured Credit Card
The Good The Bad
  • No annual fee.
  • Helpful for building or improving credit. Reports to all three major credit bureaus.
  • No credit history or minimum credit score is required for approval.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • The First Latitude MasterCard® Secured Credit Card reports to multiple credit bureaus.
  • You need a minimum security deposit of $200.
  • The initial credit limit will be equal to the amount deposited as security into the account. This amount cannot exceed $2000.
  • The maximum credit limit that can be obtained over time is $5000.
  • High interest rate
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
The First Latitude MasterCard® Secured Credit Card FAQ

Does The First Latitude MasterCard® Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for The First Latitude MasterCard® Secured Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 25.99%. It also has a variable cash advance APR of 25.99% .

Does The First Latitude MasterCard® Secured Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does The First Latitude MasterCard® Secured Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for The First Latitude MasterCard® Secured Credit Card?

The following fees apply:

The First Latitude MasterCard® Secured Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $29
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does The First Latitude MasterCard® Secured Credit Card have a foreign transaction fee?

The First Latitude MasterCard® Secured Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for The First Latitude MasterCard® Secured Credit Card?

The The First Latitude MasterCard® Secured Credit Card customer service number is (888) 796-6887.

What is the support contact email for The First Latitude MasterCard® Secured Credit Card?

The support contact email for The First Latitude MasterCard® Secured Credit Card is info@synovus.com.

How do people rate the customer service and user experience of The First Latitude MasterCard® Secured Credit Card?

Overall, The First Latitude MasterCard® Secured Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.

Does The First Latitude MasterCard® Secured Credit Card report your account activity to credit bureaus?

Yes, The First Latitude MasterCard® Secured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for The First Latitude MasterCard® Secured Credit Card

  • Visit the The First Latitude MasterCard® Secured Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 46 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 750
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) 25.99%
Balance Computation Daily Balance
Purchase APR (Variable APR) 25.99%
Card Type
  • Bad Credit
  • Secured
Card Network Mastercard

The First Latitude MasterCard® Secured Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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