Firstcard is a secured credit builder card that helps you build credit. A secured credit card is a credit card that requires a cash deposit and is designed to help people build their credit score. Firstcard does not extend a credit line. What you deposit is what you can spend. This unique approach encourages healthy spending habits while protecting you from overspending. This also means that you don’t need to worry about the credit utilization ratio as it does not apply to Firstcard users.

By using Firstcard for purchases and making timely payments, your on-time credit activities are reported to all three major credit bureaus (Equifax®, Experian®, and TransUnion®) and you can improve your credit score over time.