We know that choosing the right credit card can make a difference if we think about the long term, don’t we? With that in mind, in this article we will tell you what are the benefits, advantages and disadvantages of the Fortiva Mastercard credit card. So that you understand if he’s really worth it to you.

If you are starting your financial life now or even restoring your credit score, you have certainly come across the misfortune of having a credit card denied due to your low credit score, right?

But with the Fortiva Mastercard you won’t have to. Especially because this is an excellent option for beginners who are looking for a safe and reliable card.

It is important to know that the first great advantage of this credit card is the fact that it does not have a guarantee requirement for those people who have a very low credit score. For that reason, this card can be attractive in that it doesn’t require an initial security deposit. 

And for those people who like practicality, know what you can ask for. The approval of your credit card just by sending an email, which makes everything much easier, as you don’t have to go to an agency or face queues. However, by email, you will only be able to request pre-approval, which does not guarantee that you will receive the card, but based on the requirements which are generally very basic, it is likely that you will get your approval. 

To conclude the list of advantages of this credit card, it is important to know that it has an optional credit protection program. In this way, it is possible that you will have the payment of your debt in up to 6 months in case you become unemployed, incapacitated or even hospitalized during this period. And if you choose to use this program, if there is a death, the program will completely cancel your outstanding debt up to a certain amount. To do so, all you have to do is pay a minimum fee for every 100 USD of outstanding balance. 

First of all, you need to know that you must be of legal age to apply for this credit card. That is, be 18 years of age or older. In general, this requirement is required by all financial institutions that consider that when you are of legal age, you already have financial responsibility for dealing with your credit card. In addition, you will be required to provide personal documents, proof of residency and proof of address.

Finally, your credit score will be analyzed. However, as we mentioned earlier, this analysis is not very detailed and you can be accepted even without having a very high credit score.

In general, the disadvantages of this card involve the fact that the rates and fees charged can be very high. Which makes it not such a viable option for those who want to save on fees.

In addition, the card charges an annual fee and you must pay even if you are not using the card at the time. That is, you must worry about paying annual fees, account maintenance fees and the APR is considered very high by users.

Finally, these fees and charges can be very costly and represent a not very advantageous option in the long term for customers who want to build a positive credit history.

If you are interested in the credit card proposal and would like to apply for one right now, just click the button below. We will direct you to a page with a very simple step by step to order your card in a simple and practical way.