First Digital Reviews
5
31%
4
18%
3
19%
2
13%
1
19%
3.3
426 reviews
426 reviews
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Most Recent
Dondre Williams
@dondrejeffery
1 Star Rating
They are a very apologetic credit card company. I have had them since December, paid my $95 program fee, and they sent me a card with $300 on it. Since then, I've been paying my bill on time. The bill is due on the 11th of each month. Today, I received my bill, and they are telling me that I missed May, even though each month the payment comes out of my account. So, they suspended my account and told me that I had to pay more money to get the suspension lifted. They said I would have to go to my bank and get a letter confirming the payment was made. I don't understand why I should have to go to the bank if the payments were made. Every time I talk to customer service, I have trouble understanding because they are not native English speakers. When I ask for someone who speaks English well, they tell me to call back and try to reach an English-speaking representative. The representative I spoke to today was very rude. So, if you're thinking about getting this card, I advise against it.
Product: First Digital Credit Cards
Comment
mike Ruffin
@mikepumper16
1 Star Rating
This company is unsatisfactory and needs to be shut down. I reported it to the BBB because I believe these people are scammers. They took my money and then told me I wasn't approved because of too many attempts to pay the $95 fee. These people should not conduct business and need to be put out of business as soon as possible.
Product: First Digital Credit Cards
Comment
Janette Nakamura Bowers
@nakamurabowers
1 Star Rating
This company doesn't deserve one star I applied was approved, paid 2/3 of the program fee then was denied after they received my $
Product: First Digital Credit Cards
Comment
gocwill768
@gocwill768
1 Star Rating
Please explain how you make a payment 3 weeks before it’s due and it is considered an extra payment for the previous month? No idea but that’s there practice. Poor, slow customer DISservice. If you’re rebuilding your credit pick a reputable bank, because they are not reputable.
Product:
First Digital Mastercard®
Comment
Felicia Spencer
@jenorahfelicia53
5 Star Rating
I love it because it helps me get the things I need when I can't get them any other way!
They have honestly been good to me, and I thank them. ❣️☺️
Product: First Digital Credit Cards
Comment
Jerry Fetterling
@Kcchiefs13612
1 Star Rating
Company terrible. The first payment was supposed to be directly withdrawn, but their system messed up. I got charged a late fee through no fault of my own. Customer service didn't care or want to help. I paid the balance off and will never use the card again.
Product: First Digital Credit Cards
Comment
shirley
@shirleym_61
1 Star Rating
This is the most unorganized company on this planet. In July, I paid off my card for $299 for a $300 credit card limit, only to find out on July 6, 2023, two fraud charges - one for $199 and the other for $49 and some cents - from Ohio or somewhere. Since July, I have told them these were not my charges. I always asked to speak to the supervisor and spoke to at least eight so-called supervisors, and did whatever they asked me to do: send an email, send them a fax, and copy my ID, and I was sent a new card. I never again used either the old card or the new one and wasted at least half an hour arguing and explaining the same situation over and over, only to get transferred to another department and waste more time, then to another department, and finally to the fraud department.
I keep a record of the date and time of all the employees I have spoken with, and it's December, and nothing is done to restore my account. Each time I try to call, they would answer, "This is a call to collect a debt," and I would tell them I have paid this card in full, and I am not paying for two fraud charges that were made around July 6th.
They gave me the names and phone numbers of the two charges and when I tried to call them, the call would go to some voicemail and then transfer me to another department, and no one responded because they were fraud.
Then I found out that they are trying to collect $433 from me saying they were my charges, and they put that on my credit report, and I contacted TransUnion that I have been trying to get them to remove these two fraud charges since July, and it is December 2023.
No one seems to know what they are doing, and I am so frustrated with this inefficiency. I asked them why they are still accepting charges when since July, I told them I have not used either the old card or the new one and that these were fraud charges.
Then they said I have to pay interest and I told them why should I if these are not my charges, and mentioned a late charge... really! They asked if anyone could have used my card and I told them I have my card all the time and live alone, and no one had access to my card.
I think there is someone dishonest who sends out the new cards to a client and takes the number because how else can someone use my card and number.
This situation is still not resolved, and I will not pay them anything, and it looks like I would have to get a lawyer. I threatened to report them to the BBB and the fraud department... so please don't ever get involved with this company. I have never had such horrible, uncooperative employees and service, and have spoken to so many different 'supervisors', and no one has done anything. It's like I am talking to a wall.
Shirley J. Manchur
Product: First Digital Credit Cards
Comment
1 Star Rating
They ask for documentation to prove your payment went through but won’t accept it and put a hold on your account . Every person you talk to gives a different answer
Product: First Digital Credit Cards
Comment
Toni Davis
@tdaniels7773
1 Star Rating
Horrible. Scammers. I received the card in the mail, called to pay the program fee and was told that my application was rejected when I attempted to pay. So I asked the agent AND her supervisor that you mean to tell me that you sent me the card and expect me to pay for the program fee on a card I can’t use? They said that is correct. How does that make sense? While writing this review I saw the Forbes article that said to RUN from this company! Glad I don’t have to deal with them! Everything happens for a reason!
Product: First Digital Credit Cards
Comment
Janette Nakamura Bowers
@nakamurabowers
I paid 2 of the 3 payments towards the program fee then they said my application was denied after I received the card and they refuse to provide confirmation that I will get a refund of what I paid
Comment
Glen H
@gnanoi41
5 Star Rating
I pay on time and they said I was late with one payment. Rip off these little cards really rip people off even when u pay them in full every month
Product: First Digital Credit Cards
Comment
Kelly Phillips
@jxp5228
1 Star Rating
Paid the $95.00 fee 3 months ago still no card call every week nothing so it's 3 months haven't received my card but getting a statement every month SUCKS!!!
Product: First Digital Credit Cards
Comment
Janette Nakamura Bowers
@nakamurabowers
I received the card and paid 2/3 of the program fee and then they said my application was denied and they refuse to give me confirmation that I will receive a refund.. this company is a joke .. seems false advertising and fraudulent
Comment
Cardell
@cardellcalloway7
3 Star Rating
There’s no chip so when I tried to use the pin to get money I have a problem. Also, I declined in many of my credit credit purchases.
Product: First Digital Credit Cards
Comment
hardimanmaria54
@hardimanmaria54
5 Star Rating
Great card to Try and rebuild your credit on so far so good. I can't wait to get a credit in the price on it.
And you know help my credit score low up
Product: First Digital Credit Cards
Comment
Christie M Piper
@christiep_10
5 Star Rating
This was an Easy to get card with high interest rate. It is definitely a great way to build credit. There is a program fee of $95 you have to pay
Product:
First Digital Mastercard®
Comment
1
ready4anewchange21
@ready4anewchange21
5 Star Rating
Really enjoy using my new credit card. I love it. It really helps to boost your credit score up of it's used correctly. Customer service is awesome
Product: First Digital Credit Cards
Comment
Review First Digital
First Digital Q&A(93 questions)
Get answers to your questions about First Digital below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
Most Popular
How can I log in to my First Digital Mastercard account online?
Reply
1
Chip Lupo, Credit Card Writer
@CLoop
You can log in to your First Digital Mastercard® account by going to the login page on the First Digital website or mobile app and entering your username and password in the appropriate fields. Then, click the “Log In” to access your online account.
How to Register for Online Access on your First Digital Card Account
- Register your First Digital Card for online account access. Click “New here? Register” and enter your 16-digit account number, the last 4 digits of your Social Security number, your postal code, and your email address to verify your credit card account.
- Choose your First Digital Card username and password. Your username must be between 8 and 50 characters long, and can contain letters, numbers, periods, underscores, and the @ sign. Your password must be 8 to17 characters long; have no spaces; and have at least 1 lowercase letter, uppercase letter, number, and special character.
- Log in with your new First Digital Card credentials. From the login page on the First Digital website or its mobile app for iOS or Android, fill out the User ID and Password fields using your new credentials, and click “Log In” to access your account.
After you have signed up and logged in, you'll be able to manage your First Digital Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot your Password” on the First Digital login page. Then, follow the prompts to reset or retrieve your username or password.
Upvotes
What is the First Digital Card credit limit?
Reply
Chip Lupo, Credit Card Writer
@CLoop
The First Digital Card credit limit is $300 or more. Everyone who gets approved for First Digital Card is guaranteed a credit limit of at least $300, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
The First Digital Card credit limit that you start with isn't necessarily your credit line forever. You can ask to get a credit limit increase by calling the...
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Upvotes
Does First Digital Card offer rental car insurance?
Reply
Chip Lupo, Credit Card Writer
@CLoop
The First Digital Card does not offer a rental car insurance benefit. Even though the First Digital Card doesn't have rental car insurance, this perk is one of the handful of credit card benefits that still come with many credit card offers. If you'd like a credit card with rental car insurance, there are plenty of options.
In general, credit card rental car insurance provides coverage against damage and theft of a rental vehicle, usually up to the vehicle's actual...
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Upvotes
Is the First Digital Mastercard legit?
Reply
9
4
Chip Lupo, Credit Card Writer
@CLoop
Yes, the First Digital Mastercard® is legit. The First Digital Card is legit because it is issued by Synovus Bank, an FDIC member that is accredited by the Better Business Bureau and has an “A+” BBB rating. The First Digital Card also reports information to the major credit bureaus each month.
Why The First Digital Card is Legit
- Issued by Synovus Bank, FDIC member and BBB accredited with an “A+” rating.
- Rated 2/5 stars by WalletHub editors.
- 3.3 / 5...
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Upvotes
What is the First Digital Card credit score requirement?
Reply
Chip Lupo, Credit Card Writer
@CLoop
The First Digital Mastercard® credit score requirement is 500 or better. That means people with bad credit or better have a shot at getting approved for the First Digital Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the First Digital Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment...
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Upvotes
Does the First Digital Card have pre-approval?
Reply
Chip Lupo, Credit Card Writer
@CLoop
You cannot check for First Digital Card pre-approval. First Digital does not offer pre-approval through its website, so anyone interested in applying for the First Digital Card will have to do so without the benefit of checking for pre-approval beforehand.
You can, however, use WalletHub's CardAdvisor tool instead and learn how easy it is to find the right credit card for you. Just answer a few general questions, and based on your responses, CardAdvisor will provide you with...
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Upvotes
Is there a First Digital Credit Card mobile app?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
Yes, there is a First Digital Card mobile app and it is available for both Android and iOS. The mobile app allows you to manage your credit card, check your balance and monitor your account activity, among other things.
This can make the First Digital Card mobile app a very convenient tool, because it allows you to manage your account on the go and from anywhere.
How to Download the First Digital Card Mobile App
- Visit the...
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6
Upvotes
What is the First Digital Mastercard APR?
Reply
6
1
Brianne Larch, WalletHub Credit Card Analyst
@BrianneLarch
The First Digital Card APR is 35.99%. That's one of the most expensive credit card APRs on the market, and the average credit card charges around 23.1%. Therefore, it's not a good idea to carry a balance on this card. The APR for cash advances (using your card like a debit card to withdraw cash) is equally high (35.99%). There is no penalty APR for late payments, although there is a hefty late fee.
While the...
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5
Upvotes
How much is the First Digital Mastercard annual fee?
Reply
5
1
Chip Lupo, Credit Card Writer
@CLoop
The First Digital Card annual fee is $75 1st yr, $48 after the first year. First Digital Card's $75 1st yr, $48 after annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the First Digital Mastercard®, either.
First Digital Card Fees
- Annual Fee: $75 1st yr, $48 after the first year
- Cash Advance Fee: 3% (min $10)
To learn more, refer to WalletHub's guide on credit card fees.
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Upvotes
Do I need a checking account to get the First Digital Mastercard?
Reply
5
Maggie Bowers
@maggie_b
The First Digital Mastercards requires a checking account to apply.
The application is available online, and First Digital's website says you can get a decision in as little as 60 seconds.
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