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No, First US consumer credit cards have no annual fees.

No. Credit card payments are due monthly based on your statement balance. Even if you make additional payments, you’ll still need to make at least the minimum payment shown on each monthly statement by its due date.

2% of the outstanding balance or $10, whichever is greater.

Yes. A cash advance fee will be assessed based upon the amount of the transaction.

You can access funds by presenting the card at a participating merchant, with your card and PIN to make a cash advance from an ATM, or giving your card number verbally, in writing, or electronically to a merchant to make a mail, telephone or electronic transaction.

The minimum age for an authorized user on a credit card is 13 with a valid government issued identification card.

If the card has a 0% introductory rate, pay the balance before the end of the introductory rate period. Otherwise, interest charges will be imposed as follows: • For credit purchases, interest charges will be imposed only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle by the Payment … Continue reading →

Credit history is not a consideration for loan approval. However, there are several other qualifying considerations, including ability to afford the payment, account in good standing and providing funds equal to 120% of your requested credit limit to secure the card.

A Share Secured Visa is a credit card that is secured by funds held in a share account. The money in the account serves as collateral for the credit limit. As opposed to an unsecured credit card, where the limit is provided to you without having to provide collateral.

A Share Secured Visa is a good option for building or repairing credit. Credit history is not a qualification for getting the loan and the payment history is reported to major credit reporting agencies.