馃攳
Fortiva Credit Card Review - Fortiva MasterCard Should You Apply? - YouTube
Channel: CreditFast
[0]
I am reviewing the for TiVo credit card
[3]
and I have mixed feelings about that
[9]
[Music]
[12]
I worked hard to rebuild my credit and I
[18]
love making these videos and sharing my
[20]
tips and tricks on how I was able to do
[22]
that and I've shown you in the cheapest
[25]
easiest way possible but today I'll be
[27]
talking about the four-team a credit
[29]
card and it is not the cheapest and
[32]
easiest way to build a credit so are
[37]
there any redeeming qualities to this
[39]
credit card I'm going to go over that
[41]
with you today we're going to look into
[44]
this card closer to see if it is a
[46]
viable option for you to rebuild credit
[50]
did you receive an acceptance letter in
[53]
the mail for the xiv of credit card well
[55]
if you did later I will share with you a
[58]
trick that could potentially lower some
[61]
of the fees associated with the
[64]
fourteenth of MasterCard honestly while
[67]
researching to do this video and review
[70]
article I have discovered that there's
[72]
not that much love for the four-team of
[74]
credit card so if you have this credit
[77]
card let us know what it's like if you
[80]
love it let us know if you hate it
[83]
let us know now xiv of MasterCard is an
[88]
unsecured credit card but there are so
[91]
many fees that those fees will add up to
[95]
about the same amount that it would add
[97]
up to if you were going to apply and get
[101]
approved for secured credit card so
[105]
that's one of the main problems I have
[106]
with this card I think that their fee
[108]
structures way too high so this is the
[111]
dreaded snapshot of the four Teva fee
[114]
structure but like I said before earlier
[117]
in this video I am going to show you a
[118]
tip and trick on how to avoid some of
[121]
those fees at least hopefully so you can
[127]
see that there is a huge huge fees being
[131]
charged on this card you get an annual
[134]
fee and application fee and also monthly
[138]
maintenance fees so keep in mind on what
[142]
you could potentially have to pay in
[143]
order to have the fourteenth of Master
[149]
so if you've received a letter in the
[152]
mail inviting you to apply for the fort
[155]
IVA credit card and you want to do that
[158]
I did leave a link in the review article
[161]
the pros and cons review article so you
[164]
can glance over the review figure out if
[168]
this car is right for you and if you do
[170]
want to apply there's a link that you
[172]
can simply click on to take you over to
[174]
Fort IVA and apply for this offer so
[178]
when you go to the Fort evil website and
[180]
you go to the area where you type in
[182]
your reservation code this is basically
[184]
what it looks like it's very simple and
[186]
straightforward so a good thing about
[192]
the 45 credit card is that it is a
[195]
credit card that will report to the
[198]
three credit bureaus the 14 of a credit
[201]
card is a MasterCard so the 40 of a
[204]
MasterCard will report monthly to the
[208]
three credit bureaus and that will help
[210]
you build your credit this is so much
[213]
better to have than a prepaid card
[214]
keep in mind prepaid cards tend to be
[218]
just as expensive in many cases as the
[221]
Fort Eva MasterCard the only difference
[223]
is you will not build credit with a
[227]
prepaid card so the 14 of a credit card
[231]
can be a helpful tool with managing your
[234]
finances you can use this to easily pay
[238]
for your utility bills or other expenses
[242]
you may have one thing that is nice that
[245]
they do include with all of this is that
[248]
they will give you credit monitoring
[251]
included so that can be very helpful
[254]
that's offered to you when you get the
[256]
44 credit card and you can closely
[258]
monitor your credit and you can see how
[261]
it is improving and it'll give you a
[263]
good indication on when you should apply
[266]
for your next credit card like we said
[269]
before the 14 a credit card has higher
[271]
fees so maybe after 8 months 10 months
[275]
12 months 14 months you can see how
[279]
your credit score improved and you can
[281]
try applying for a different credit card
[284]
also I started a Facebook group
[287]
especially for people with bad and fair
[290]
credit if you're undecided on what
[293]
direction you need to go with the types
[297]
of credit card offers that you are
[299]
planning to apply for I recommend
[301]
joining this Facebook group I will
[303]
always be posting any kind of
[306]
information that can help you get better
[310]
chances of getting approved easy credit
[313]
approval is the name of the game on my
[317]
Facebook group recently I did a review
[320]
on the blaze MasterCard and the Avant
[323]
MasterCard these are similar types of
[325]
credit cards to the Fort Eva MasterCard
[328]
if you're interested they are the links
[331]
will be in the description below this
[333]
video I recommend that you check it out
[336]
this is will be a great way to compare
[338]
to find the best credit card for you
[340]
I've also left other fair credit card
[343]
links in the description below including
[346]
store cards and I just am about to start
[350]
a fair credit card playlist and that
[354]
will include every single video that is
[357]
for fair credit and then whenever I do
[359]
any future videos I will immediately add
[362]
those videos to that playlist so you'll
[365]
always get the most updated content for
[368]
fair credit cards now one of the things
[371]
I have against secured credit cards or I
[374]
should say some secured credit cards is
[376]
that the terms can be a little murky it
[379]
is suggested that the security deposit
[382]
is refundable it is a security deposit
[385]
but certain secured cards do not easily
[388]
refund your security deposit sometimes
[391]
they only refund your security deposit
[393]
when you cancel your account if that is
[396]
the case and you decide to keep a
[399]
secured card open you're essentially
[402]
paying about the same fees that you
[405]
would be paying with the 14 of a credit
[407]
card so that's why I don't exactly think
[410]
that the 40 of a credit card
[412]
is the absolute worst credit card out
[415]
there it can turn out to be the same
[419]
exact thing if you pick a certain type
[421]
of secured credit card to apply for now
[424]
a while back I did a video on secured
[426]
credit cards I talked about the five top
[428]
secured credit cards and I talked about
[431]
many aspects of these cards and who
[434]
they're best suited for so it all
[436]
depends on the situations you are in
[438]
your life if you're in the middle of the
[440]
bankruptcies some credit cards you
[441]
should not apply for during that time
[443]
and you'll automatically get denied I
[446]
cover all of that in that video as well
[449]
as covering which credit cards which
[451]
secured credit cards will refund your
[454]
security deposit without having to
[457]
cancel your account so if you're
[458]
interested in that I've left a link for
[460]
that in the description below this video
[462]
and you should check it out
[464]
I've won one really bad thing about the
[468]
14th a credit card is how high the
[470]
interest rate is charged there is a
[473]
range but the top interest rate is 36%
[476]
that is huge but if you watched my
[480]
videos you know what I say time and time
[482]
again most credit cards have high
[485]
interest rates even ones that are for
[488]
good credit
[489]
so my tip always is pay your balances in
[493]
full and the interest rate will not
[495]
matter but I need to leave that out
[497]
there at the taping of this video the
[500]
top interest rate for the 40 of a credit
[503]
card is 36% okay so now I'm going to
[510]
share the passible tip that can help
[513]
make the 14 a credit card just a little
[516]
bit more affordable now from what I've
[519]
been hearing online there is a way to
[522]
get your fees 'lord at the time of
[526]
application and simply what you need to
[528]
do is fill out the complete application
[531]
and then at one point they're going to
[532]
ask you if you accept all the terms and
[535]
conditions from what I've been hearing
[537]
is if you say you do not immediately a
[541]
little offer window will pop up offering
[544]
you slightly better terms
[546]
then everything I described to you today
[548]
so if this tip does in fact work for you
[553]
I think you should come back to this
[556]
video leave a comment let everyone know
[559]
they can save more money if they apply
[562]
in this way and I do believe I would
[566]
deserve that you smash that like button
[569]
I saved you money okay so at the end of
[574]
the day the four Teva credit card might
[576]
possibly not be the worst credit card
[578]
out there especially if you follow my
[581]
tip today and get some of the fees that
[584]
we've been looking at lowered so my
[589]
recommendation is it would be better to
[594]
have the 14 credit card then do nothing
[598]
at all then not start building your
[600]
credit today because the longer you are
[604]
building your credit the better it will
[607]
be the longer your credit history will
[609]
be so if there's a choice whether to do
[614]
nothing or to apply and get the 14
[619]
credit card I would say get the 44
[621]
credit card it will report back to the
[624]
credit bureaus and that will start
[626]
building your credit and later you'll be
[628]
able to get much better credit card
[630]
offers so basically we've come to that
[632]
time again where I say goodbye but I'd
[636]
like to say that if you really liked
[638]
this video today I hope that you will
[641]
hit the like button and if you want to
[643]
see more of my videos on different
[646]
reviews of credit cards please hit that
[649]
subscribe button see you later
Most Recent Videos:
You can go back to the homepage right here: Homepage