First Savings Credit Card: Reviews, Complains, Alternatives & Application..

If you don’t have any credit history or your credit history is poor then you can apply for the First Savings Credit Card. This card is also known as firstsavingcc. As this card is planned for the subprime applicants, by using this card users can build their credit history, as this is a fast growing platform for the applicants. This is a great platform for the customers who can’t apply for the Discover and Chase due to lack of their credit history.

Firstsavingcc is providing a great platform for the applicants in the subprime credit card market, which serve its customers with easy to use offers. You can go through the terms and condition using its official site and can apply for this card easily.

You can also go through other options, which are providing you with different offers with bad credit and average credit before applying for the First Savings Credit Card.

Table of Contents

First Saving Interest Rates and Interest Charges

  • The Annual Percentage Rate is 29.9% for Purchases.
  • APR charged for Cash Advances is also 29.9%.
  • There is No Minimum Interest Charge.

How to get rid of paying Interest fee on Transactions?

If you will make your payments on time then you will not be charged any interest fee on transactions. Keep in mind the due date for the bill payments is 25 days after the day you make a payment last time.

How can we get tips for Credit card from the Consumer Financial Protection Bureau?

If you want information about the credit card before starting the application process, visit the official site of Consumer Financial Protection Bureau by using the link www.consumerfinance.gov/learnmore.

Fees

Set-up and Maintenance Fees:

  • The Annual Fee is $75.
  • To add an Authorized User you have to pay $20 per year.
  • The Transaction Fees charged for Cash Advance is 2% per cash advance.
  • The Penalty for making late payment is up to $25.
  • The Penalty for Returned payment is up to $25.

How We Will Calculate Your Balance?

To calculate your balance the method of ending balance is used. In this method, we get to know the total amount of interest charge by implementing the periodic rate on the amount you are having after making your payments on the due date that include your cash advances, purchases and other fees from your account and subtract the payments you make throughout the billing cycle.

Firstsavingcc Benefits

The benefits offered by the First Savings Credit Card include:

  • You have the authority of the Purchases you make.
  • There are no Hidden Fees charged to you.
  • The Penalty APR is none.
  • You can recover your lost or stolen card by the Fraud Coverage.
  • The Online platform to access your account is secure.

Also Read: Blaze Credit Card: Consumer Reviews, Login, Benefits, Alternatives, Faqs

First Saving Credit Card Reviews & Complains

After collecting the complaints and reviews from the customers, some of them reviews below are collected from different sources and forums.

“Just don’t select this card if you want to build your credit by using this card or you are badly in need of money then go than ask help from your relatives or your friends, it might be humiliating but despite of that borrow it. This card will not help you to build your credit. I am glad that today I am done with all the payments and now I am closing it.”

“ After receiving my card, I called to the customer service after 3 days to activate my card but the service was denied. I access my account and got to know that I have to pay $100 as an annual fee and late payment was also charged on me as the due date was the same on which I have activated my card. They don’t have any customer support as I make a call on the number multiple times and it never go on. Now they ask me to pay a big amount for the credit card, which I have never used.”

“Not happy with your services and need to contact you immediately. They charge me for a card, which is not even been deliver to me yet. Moreover, their phone line is not working.”

First Savings Credit Card: Reviews, Complains, Alternatives & Application.. simply go to their

“Before having this card my credit history was perfect. They charged me a late payment fee as I think that my payment due day was Saturday. They are wrongdoer. I am closing my account soon. Will recommend you not have this card. They will charge you till death.”

“They can hardly catch you up if you make your payment one day after the due date they will definitely charge you on this.”

“ After every 3 months the Capital One increase the credit limit I want to ask why first savings don’t provide this opportunity for their customers. I am having my card since 6 months, always make my bill payments on time, and never got increase in credit limit.”

“Someone called form your company. I call back on the number from which I received the call and no one was available to speak with me, as I was not having an account. I make a call to the customer service and there was no response from them. I completely waste my time.”

“I am having a card since 3 years and still got no increase in the credit limit.”

“ No issue at all. The customer service is very good. I am having a card since 1 year and receive the increase in my credit limit. I always make payments on time so no interest in charged to me.”

“ Recently got a mail in which they notify me that my credit card application is under process and they need my copy of social security number so that they can finish the process. Seems interesting, as I have never applied for this credit card in the past years.”

“I make a call to the customer service on the number 605/782-3434. I was unable to speak to the live person. They forcefully insisted me to enter my social security number as the cassette was on and they keep saying it to me. This credit card is a fraud attempt. I feel completely unpleasant for the people for this fraud. I am in search to file an official complain regarding this fraud about the First Savings. Please be careful!”

First Savings Credit Card Login

If you are already a user of First Savings Credit Card and want to access your account to manage, your card activities then go through the process below:

  • Visit the official site of firstsavingcc by using the link https://firstsavingscc.com/.
  • You will be directed towards the homepage of First Savings CC.
  • On the left side of the page, you will see “Account Login” button in orange.
  • Click on it. Now you will see a login page in front of you named as “Welcome to the Cardmember services”.
  • Here you have to enter your login credential i.e. your username and password.
  • Next click on Sign In button to access your account.

Forgot Username & Password

In case if you have forgotten your firstsavingcc account username or password and want to recover it then use, the steps mentioned below for complete guide:

  • Visit the official site of First Savings Credit Card to access the Login page by using the process explained above.
  • At the end of the login page locate the “Forgot your username and password?” option and click on it. 
  • Now in the next window click on the continue button to proceed the process.
  • The next step is for account verification here you have to provide your Account number, expiration date, security code (last 3 digits) and Social Security Number (last 4-digits).
  • After providing the complete information click on the continue button to finish the process.

FirstSavingcc Application Requirements

If you want to apply for the First Savings Credit Card then you should complete the requirement that has given below:

  • The age of the applicant should be 18 years or above.
  • Applicant must have the credit history which is easy to perceive.
  • Social Security Number (U.S) is compulsory.
  • The applicant should be the legal resident of the United States of America.

How to Apply for Credit Card?

Strangely, the first savings is not providing a platform for a new user to apply for the card. As the bank only prefer the individuals who are having a valid “reservation number” and “Access code”. If you have received both these things via mail then you are eligible to apply for the card, use this Link and provide your access code and reservation number to apply for the card.

Approval Rate:

There were 12 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 90% of those applicants were approved.

Approval Time:

Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

How to Apply through Customer Care Agent

If you have any online access then you can also use the other method that is you can apply using customer care number. Make a call to the customer representative by using the number i.e.888-469-0291. Ask the representative for the application form and then provide the information required to complete the application process. Once you have done with the application process soon you will receive your First Savings Credit Card on the address, which you have given.

Also Read: Good Sam Credit Card: Review & Complaints, Login, Benefits, Bill Pay …

First Savings Credit Card Alternatives

If you want to go for another card then read the list below, which offer the same benefits as First Savings Credit Card. If you want to have any of the card listed below, then simply go to their site and apply for the card as per your choice. You can compare the first savings card by the cards given below by comparing their Apr, annual fee, credit limit and different reward programs.

Capital One® Secured Mastercard®

  • The annual fee is none and you can easily build your credit score by using your card carefully.
  • If you use your card responsibly then you can build your credit this card is not like a prepaid card you have to report on a regular basis to the 3 major credit bureaus.
  • Initially, you will get a credit line of $200 after submitting the security deposit that will depend on your creditworthiness. It might be $49, $99 or $200.
  • If you will make your payments on time in the first five months, then you can get a higher credit line and there is no additional deposit for it.
  • You can access your account online and manage it anytime anywhere by just using your phone or smart device.
  • Can use the credit card all over the world at any location.

Fingerhut Credit Account

  • The application process is simple and you will get a decision of credit in few seconds.
  • You can build your credit history easily and you have to report on a regular basis to the three major credit bureaus.
  • To make purchases from the famous brands you can use your credit line.
  • If you are qualified for the Fingerhut Credit Card after applying and have an account then you can easily enjoy the benefits offered by the WebBank the issuer of this credit card.
First Savings Credit Card: Reviews, Complains, Alternatives & Application.. Customer Care Agent                     



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Total Visa® Card

  • They check the requirement of account.
  • The application process is simple and easy, you will get a decision of credit in a few seconds.
  • You can use this Visa Credit Card all over the USA and can also use this card online.
  • The payments are managed easily every month.
  • If your application is accepted then after paying the Program Fee you can easily open your account to use the credit available.
  • You have to report the three major credit bureaus every month.

Milestone® Mastercard® – Bad Credit Considered

  • Your credit score will not crash if you are prequalified for the card this present day.
  • If your credit is below perfect that all right.
  • Access your account anytime using a mobile device.
  • Fraud coverage is provided if you lost your card.
  • You have to report about your account history to the three major credit bureaus in the United States.
  • It is based on Creditworthiness.

Indigo® Mastercard® for Less than Perfect Credit

  • Your credit score will not crash if you are prequalified for the card this present day.
  • Every type of credit history can be accepted.
  • Access your account anytime using a mobile device.
  • Fraud coverage is provided if you lost your card.
  • You have to report about your account history to the three major credit bureaus in the United States.
First Savings Credit Card: Reviews, Complains, Alternatives & Application.. fee is

Frequently Asked Questions

  • Can I pay my First Savings Credit Card bill Online?

Yes, you can pay your credit card bill online. You can pay your bill online as well as by using the First Savings mobile app. Use the website https://www.doxo.com/bill-pay/first-savings-credit-card for online payment.

  • From where can I login my First Savings Card account online?

You can log in your card account by using the link mentioned www.firstsavingscreditcard.com by accessing their “card member services” section.

  • From where can I get help to log in my First Savings Credit Card account?

There is a customer service page on the official website, which you can access by using the link www.firstsavingscreditcard.com if you find any difficulty while signing in your account or while recovering your account’s password. You can also make a call to the customer service agent by using your phone on the number (888) 469-0291.

  • Can I access my First Savings Credit Card account using my smartphone?

There is no official app offered by First Savings Credit Card. If you want to access your account using the app then you can go for doxo Account Manager App for this purpose. By using this app, you can manage your account and can update your account info anytime. The link for doxo app for both android and ios is mentioned here for your help you can install the app in a single click doxo App for IOS and doxo App for Android Phone.

  • How can I contact to First Savings Credit Card if I am having any difficulty regarding my account or payments?

There is a customer service page on the official website, which you can access by using the link www.firstsavingscreditcard.com. You can also make a call to the customer service agent by using your phone on the number (888) 469-0291.

  • Is the First Savings Credit Card run by different name?

No, it has only one name and recognized as First Savings Credit Card.

  • Can I pay to make payments of First Savings Credit Card using a debit card?

Yes, you can make payments for First Savings Credit Card with your Visa Debit Card or Discover MasterCard.

  • Can I pay to make payments of First Savings Credit Card using a credit card?

No, First Savings Credit Card do not accept the payments via credit cards.

  • Is there any nickname for First Savings Credit Card?

Yes, the First Savings Credit Card is also familiar as firstsavingscreditcard.com as this is alternative name for it.