SuperMoney
  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

-100%

-100% 0% +100%
No one recommends Everyone recommends

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.

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
0 users recommend
0 users are unsure
2 users don't recommend
Cast your vote
Cast your vote

Would you recommend The First Latitude MasterCard® Secured Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 25.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 750
Annual Fee $0

The First Latitude MasterCard® Secured Credit Card Review

The First Latitude MasterCard® Secured Credit Card 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 is everything you need to know 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.
  • 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 qualify.
The First Latitude MasterCard® Secured Credit Card Pros & Cons
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.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.
The First Latitude MasterCard® Secured Credit Card FAQ

Is there a The First Latitude MasterCard® Secured Credit Card cash back or rewards program?

No, The First Latitude MasterCard® Secured Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. The First Latitude MasterCard® Secured Credit Card has higher than average purchase APRs.

The First Latitude MasterCard® Secured Credit Card 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 introductory APR offer on balance transfers?

No, The First Latitude MasterCard® Secured Credit Card does not come with an introductory APR offer for balance transfers.

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

The First Latitude MasterCard® Secured Credit Card does not offer an introductory rate on new purchases.
The First Latitude MasterCard® Secured Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

The following fees apply to The First Latitude MasterCard® Secured Credit Card:

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

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

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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
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 300 - 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%

The First Latitude MasterCard® Secured Credit Card Community Reviews

 

Would you recommend The First Latitude MasterCard® Secured Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

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.

sorted by

Other Personal Credit Cards

First Progress Platinum Select Mastercard® Secured Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

3 Reviews

Synovus Bank Personal Credit Cards

Loading...