First Latitude Assent Secured Credit Card Review

The Assent Secured Credit Card's unique combination of a $0 annual fee and cash back rewards makes it a compelling option.

For those looking to build a strong financial foundation, the First Latitude Assent Secured Credit Card offers a direct and accessible path to establishing or rebuilding your credit history. This card is specifically designed for individuals who may have limited or poor credit, providing a valuable opportunity to demonstrate financial responsibility. By securing your credit line with a refundable deposit, you take a proactive step towards a brighter financial future.

Embrace the journey of credit building with a card that rewards your responsible habits. The Assent Secured Credit Card not only helps you build a positive credit history by reporting to all three major credit bureaus, but it also offers the rare perk of cash back on a secured card. It’s an empowering tool that puts you in control, allowing you to make everyday purchases while confidently working toward your financial goals.

CREDIT CARD

Assent Secured

No Annual Fee, Ever Reports to All 3 Credit Bureaus

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Key Benefits of the Assent Secured Credit Card

The Assent Secured Credit Card is packed with features tailored to help you build credit effectively and with confidence.

• Build or Rebuild Your Credit: This card is your dedicated partner in building a positive credit history. Your payment activity is reported to all three major credit bureaus—Experian, Equifax, and TransUnion.
• No Annual Fee: Enjoy the benefits of building your credit without the cost of an annual fee, allowing you to focus on your financial progress.
• Earn Cash Back: A standout feature for a secured card, you’ll earn 1% cash back on payments you make to your account, rewarding your responsible financial habits.
• All Credit Types Welcome: Whether you have poor credit, no credit, or are recovering from bankruptcy, you are welcome to apply.
• Flexible Security Deposit: You can secure your credit line with a refundable deposit ranging from $200 to $2,000, giving you control over your initial credit limit.
• Potential for Higher Credit Limit: Over time, you may have the opportunity to increase your credit limit up to $5,000 by adding to your security deposit.
• Worldwide Acceptance: As a Mastercard®, your card is accepted at millions of locations globally for purchases and reservations.
• Fraud Protection: Your card includes Mastercard’s Zero Liability Protection, safeguarding you from unauthorized charges.

Who Can Apply?

The Assent Secured Credit Card is designed to be accessible to a wide range of individuals, particularly those focused on their credit journey.

• Credit History: Individuals with all credit types, including limited, poor, or no credit history, are encouraged to apply.
• Age: You must be at least 18 years old.
• Residency: A valid U.S. physical address is required.
• Identification: You will need to provide a Social Security Number.
• Security Deposit: Applicants must have the funds to make a refundable security deposit.
• Bank Account: A bank account is typically necessary to fund the security deposit and make payments.

How to Apply

Applying for the Assent Secured Credit Card is a straightforward process.

1. Complete the Online Application: Fill out the secure application form on the official website with your personal and financial details.
2. Review the Terms: Carefully read the card’s terms and conditions, including the variable APR and any potential fees.
3. Receive an Approval Decision: You will be notified of the decision on your application.
4. Fund Your Security Deposit: If approved, you will need to provide your refundable security deposit to establish your credit line.
5. Activate and Use Your Card: Once your card arrives, activate it and begin making purchases to start building your credit history.

Frequently Asked Questions

• What is a secured credit card?
  A secured credit card is backed by a cash deposit that you provide. This deposit acts as collateral, reducing the risk for the issuer and making it easier for individuals with limited or poor credit to get approved. Your credit limit is typically equal to the amount of your deposit.
• How does this card help build credit?
  By making regular, on-time payments, you demonstrate responsible credit behavior. The Assent Secured Credit Card reports these payments to the three major credit bureaus. Over time, this positive payment history can help improve your credit score.
• Is the security deposit refundable?
  Yes, your security deposit is fully refundable. When you close your account in good standing with the balance paid in full, your deposit will be returned to you.
• Are there any major fees to be aware of?
  The Assent Secured Credit Card has no annual fee. However, like most credit cards, it may have other fees such as for late payments. It’s important to review the card’s terms and conditions for a complete list of any applicable fees.

CREDIT CARD

Assent Secured

No Annual Fee, Ever Reports to All 3 Credit Bureaus

APPLY NOW You will be redirected