yourfitcard com
YourFitCard.com: What to Know Before Applying
If you’ve seen an offer from YourFitCard.com, it’s for the FIT™ Platinum Mastercard®. This isn’t a rewards card or a luxury product. It’s designed for people with poor or limited credit history who want to build or rebuild. The site acts as the official portal where you can apply, activate, and manage your account. What makes it useful is credit reporting to all three major bureaus. What makes it tricky are the fees and the way the credit line is set up. Let’s break it down step by step.
Who Issues the FIT Card
YourFitCard.com is the entry point, but the FIT card itself is issued by The Bank of Missouri. Continental Finance, a company that specializes in servicing subprime credit products, handles the management side. That means when you log in, make a payment, or check your balance, you’re dealing with Continental Finance’s systems. The card is a real Mastercard, so it works wherever Mastercard is accepted, both online and in stores.
Application and Activation
The application process is straightforward. You’ll need your name, address, date of birth, and Social Security number. The site uses this information to check if you qualify. If approved, you don’t get immediate access. First, there’s a one-time processing fee you have to pay before the card can be activated. Many people overlook this step and wonder why their card isn’t working. After activation, you can set up online access at YourFitCard.com, where you’ll see account details, statements, and your credit score updates.
Credit Limits and Fees
The starting credit limit is usually up to $400. That sounds okay until you realize the fees cut into it. The first year comes with a $95 one-time processing fee and a $99 annual fee. Together, that’s nearly half the limit consumed before you even swipe the card. In the second year, the annual fee goes up to $125, and a $150 annual maintenance fee (charged monthly at $12.50) kicks in. If you add those together, you’re paying $275 in ongoing yearly costs. That’s not including interest charges if you carry a balance.
Interest Rate
The APR is 35.9%. That’s among the highest in the credit card market. For context, carrying a $200 balance for a year at that rate adds around $70 in interest if you only pay the minimum. If you plan on using this card, the only sustainable way is to pay off your charges in full each month. Otherwise, you’ll be buried in interest on top of fees.
Credit Reporting
Despite the costs, the FIT card does one very important thing: it reports your activity to all three major credit bureaus. That means your payment history and credit utilization count toward your FICO score. For someone trying to rebuild after missed payments or collections, this reporting is the value. If you’re disciplined and keep balances low, you can use this card as a stepping stone toward qualifying for better products later.
Account Management
YourFitCard.com connects you to your online account. Through it, you can:
- Check balances and available credit.
- View transactions and past statements.
- Make payments directly.
- Sign up for electronic statements.
- Track a free credit score included with your account.
It’s not a flashy interface, but it covers the basics. Payments can also be made through Continental Finance’s payment portal or by mail if needed.
Pros
The FIT card has a few real benefits. It doesn’t require a security deposit, so unlike secured cards you don’t have to tie up cash. It reports monthly to all three credit bureaus, which is key for rebuilding. It’s accepted worldwide, since it’s on the Mastercard network. The application process is simple and approval odds are higher for people with damaged credit compared to prime credit products.
Cons
The downsides are harder to ignore. The fees are high, especially once you add the maintenance fee starting in the second year. The credit limit is low, and with fees deducted up front, your usable credit might drop to just a couple hundred dollars. The interest rate is steep, so carrying a balance is financially dangerous. There’s also no upgrade path. That means you can’t convert this account to a lower-fee card later—you’d have to close it, which could shorten your credit history and lower your score temporarily.
Common Mistakes with This Card
A lot of people treat the FIT card like a normal card and end up paying hundreds in interest. That’s the biggest mistake. Another is maxing out the available limit. Since the line is so small, maxing it out sends your utilization ratio through the roof and damages your credit score. Others forget about the maintenance fee in year two and get hit with surprise charges. Missing payments adds even more fees on top of an already expensive setup.
Best Practices if You Use It
If you decide to go ahead with the FIT card, treat it strictly as a credit-building tool. Charge one or two small recurring expenses—like a streaming service or phone bill—and pay it off in full each month. Keep utilization under 30% of your limit, ideally under 10%. Enroll in autopay to avoid late fees. Track your credit score monthly to see if your strategy is working. And after a year or two of consistent payments, start applying for better cards with lower fees and higher limits.
Who Should Consider It
This card isn’t for everyone. If you already qualify for a secured card with lower fees, that’s usually a better option. The FIT card is for people with severely damaged credit who can’t get approved elsewhere and want an unsecured option without putting down a deposit. If you’re in that category and disciplined about paying in full, it can help. If not, the costs will outweigh the benefits.
Alternatives
Secured credit cards are the main alternative. With those, you put down a refundable deposit, often $200 to $500, and your credit limit matches that deposit. Many secured cards have no annual fee, lower APRs, and some even offer rewards. Another alternative is a credit-builder loan through a bank or credit union, which can establish positive payment history without a revolving balance. These options usually end up cheaper in the long run.
FAQ
Is the FIT card a real credit card?
Yes. It’s an unsecured Mastercard issued by The Bank of Missouri and serviced by Continental Finance. It can be used anywhere Mastercard is accepted.
What is the credit limit on the FIT card?
New accounts are typically approved for up to $400. However, after fees, your usable credit will be lower.
How do I activate my FIT card?
You need to pay the one-time processing fee first. Then you can activate the card through YourFitCard.com or the phone number included with the card.
What is the APR?
The APR is 35.9%, which is much higher than average. Carrying a balance at this rate is very expensive.
Are there monthly fees?
Yes. After the first year, there’s a $150 annual maintenance fee, charged as $12.50 each month.
Does the card report to credit bureaus?
Yes. Continental Finance reports to Experian, Equifax, and TransUnion every month. This is the main reason people use the card.
Can I upgrade the FIT card to a better product later?
No. There’s no direct upgrade path. You’ll have to apply for a new card elsewhere once your credit improves.
Is this card worth it?
It depends on your situation. If you have no deposit money for a secured card but need an unsecured card to build credit, it can serve a purpose. But you need to manage it carefully to avoid drowning in fees and interest.
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