First Savings Credit Card is offered by a company that operates out of Sioux Falls South Dakota. Consumers have been searching for information on this company and based on the comments posted in online community forums, it seems no one could find a website address for this company.
After hours of searching the Internet, I came to the same conclusion, that a website for the First Savings Credit card could not be found. The only reference to this company that kept popping up was at Ripoffreport.com - First Savings Credit Card Search Results .
From the comments on this website, it seems as if the First Savings credit card is for people with bad credit who want to rebuild their credit history. Some consumers complained about having to pay a $35 fee upfront just to get the credit card.
Others stated there were starting fees of $103 and monthly maintenance fees of $6.00.
These fees were added to the account and with the credit card offering an average limit of $300 there was not much of a balance left on the credit card for the consumer to benefit from owning it.
Posts by some of the cardholders contained telephone numbers for the company that offers the First Savings Credit Card. Being unable to find any website address; I decided to give the company a call.
The first number I tried was 1-888-469-0291. This was an automated service with just two options. One option was for credit card account management and the other was to report your card lost or stolen. This number would be of no use unless you are an account holder.
The second number 1-888-437-0109 proved to be more useful. I was connected to an actual staff member and explained that I wanted their website address to check out the card details myself. The lady was very pleasant and informed me that she needed to transfer the call to the customer service department.
At customer service I requested the website address and was informed that First Savings Credit Card does not have a website which provides credit card information. The only way you can apply for the credit card is if you receive an offer by post. There is a website for active customers only, but the representative did not give this to me as I am not a First Savings Credit Card account holder. This information is provided only when your application is successful.
There seems to be too much secrecy surrounding the First Savings Credit Card. In today’s market with so many credit cards for people with bad credit on the market you should expect and demand that some transparency be provided so you would know exactly what you are applying for.
If presented with an offer from First Savings Credit Card, unless you are given all the information to make a decision, think twice about submitting an application especially if you have to pay upfront fees.
If you need to repair your credit rating then there are many companies that provide online credit card offers for people with bad credit. Look for companies that provide transparent information for you to compare and make a decision.
