First Savings Credit Card Reviews: A Smart Option for Poor Credit?

I remember staring at yet another credit card rejection email and thinking, “What now?” If you’ve been in the same boat dealing with a low credit score and feeling like no lender wants to take a chance on you, you’re not alone. That’s probably why you’re digging into first savings credit card reviews, hoping to find a card that won’t slam the door in your face.

Good news you’ve landed in the right spot. In this post, we’ll walk you through exactly what the First Savings Credit Card is, who it’s for, and whether it’s worth it. You’ll get honest pros and cons, real user insights, and tips on how to use it smartly. Let’s dive in and see if this could be the credit-building solution you’ve been looking for.

What is First Savings Bank?

First Savings Bank is a U.S.-based financial institution offering a range of banking services, from savings accounts and personal loans to credit card products. Established with the mission to serve local communities, the bank has carved a niche for itself by providing accessible financial solutions tailored for individuals who might not qualify for traditional credit cards.

Unlike some big-name banks, First Savings Bank focuses on helping consumers with limited or poor credit history. Their credit products, like the First Savings Credit Card, are designed to rebuild credit scores and offer financial flexibility to those recovering from past credit challenges.

About First Savings Bank

Headquartered in Indiana, First Savings Bank operates both online and through local branches. The bank has been growing steadily, thanks to its commitment to personalized service and financial inclusion. They provide a variety of services including home loans, personal savings, and business banking.

Most notably, the bank offers credit cards aimed at individuals who are rebuilding their credit. With user-friendly tools and responsive customer service, First Savings Bank has gained a solid reputation among users looking for straightforward, no-frills banking options.

First Savings Credit Card Overview and Key Specs

The First Savings Credit Card is an unsecured credit card targeted at individuals with less-than-perfect credit. It’s not a prepaid or secured card, which means no deposit is required to open an account. The card is issued by First Savings Bank under the Mastercard network, making it widely accepted across retailers and online platforms.

Key specifications include a relatively high APR, variable annual fees depending on the offer received, and features like fraud protection and Mastercard SecureCode for online shopping. While not overloaded with perks, the card offers basic benefits that suit its primary purpose: credit rebuilding.

First Savings Credit Card Reviews

First Savings Credit Card reviews are mixed, but many users find value in what it offers. For individuals struggling with credit, the card serves as a practical stepping stone toward financial recovery. Positive reviews often highlight the straightforward application process, the lack of a deposit requirement, and timely reporting to major credit bureaus.

However, negative feedback usually centers around the high APR credit card rates and annual fees. Some users also report challenges with online account management. Still, when used wisely, the card can help improve your credit score over time.

First Savings Credit Card Review: Key Takeaways

The First Savings Credit Card isn’t a flashy option, but it fulfills its promise. It’s best suited for individuals who have limited options and want to establish or rebuild their credit history. With no deposit required and essential features like fraud protection, it offers a fair trade-off for those who qualify.

Be mindful of the fees and interest rates, as they can add up if you carry a balance. If you’re looking for a credit card for poor credit history and are responsible with payments, this card might be a good fit.

Pros and Cons of The First Savings Credit Card

Pros:

• No security deposit required
• Reports to all three major credit bureaus
• Pre-approved offers available via mail
• Mastercard benefits and wide acceptance

Cons:

• High APR and annual fee
• Limited rewards or perks
• Online management system could be better
• Not available through general application must receive an invitation

Applying for the First Savings Credit Card and How to Qualify

To apply for a First Savings Credit Card, you’ll usually receive a pre-approved credit card letter by mail. These offers are based on a soft credit inquiry, so they won’t impact your credit score initially. Once accepted, a hard inquiry will occur during the final approval stage.

Eligibility criteria are fairly standard. You must be a legal U.S. resident, at least 18 years old, and possess a valid SSN. The bank will assess your credit history, income, and existing debts before final approval. This card is especially suited for those aiming to re-establish creditworthiness.

Application Procedure At Firstsavingscc.com

To proceed with your offer, you’ll need to visit firstsavingscc.com login portal. There, you’ll enter your reservation number and access code, which are printed on the pre-approval letter. This step is essential to begin your online credit card application.

After verifying your identity, you’ll review the terms of the offer. Once accepted, your application is reviewed, and if approved, you’ll receive your card in the mail. The process is simple and takes only a few minutes to complete online.

Application Process and Eligibility

While you can’t cold-apply like with other cards, once you receive a pre-qualified credit card offer, the process is quick. You’ll need your SSN, income information, and personal details. First Savings uses this to assess your creditworthiness.

Cards are typically approved in a few business days. If you qualify, your new card will arrive with instructions on how to activate the Firstsavingscc card online and start managing your account.

Guide To First Savings Credit Card Login

To manage your account, you’ll use the secure login for First Savings account at firstsavingscc.com. Here, you can view your transactions, pay bills, and monitor your balance.

If you’re new, the site will guide you through First Savings account registration. If you’ve forgotten your credentials, you can reset the First Savings password by following the online prompts. It’s designed to be user-friendly, although some users report occasional bugs.

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Benefits Of First Savings Card

The benefits of First Savings Bank credit cards may not include luxury perks, but they serve practical purposes. These include:

• Regular credit bureau reporting (helpful for credit building)
• Mastercard SecureCode for safer online purchases
• Credit card with no hidden fees, aside from disclosed charges
• Access to First Savings customer service for support

If used responsibly, the card offers a steady path toward improved credit health.

Payment Of First Savings Bank Credit Card Bill

You can pay First Savings card bills online through their website. Payments can be made using a checking account or debit card. Automatic payments can also be set up to avoid missing due dates.

Processing times are usually fast, but it’s smart to pay at least a few days early. You can also make payments via phone or by mailing a check. Remember, interest can build quickly if you carry a balance so paying in full each month is ideal.

Offers Available At First Savings Credit Card

Since the card is invitation-only, pre-approved credit card letter offers vary. Some users may receive cards with lower annual fees or better APRs, depending on their credit profile.

While you won’t find cashback or points, some offers include credit limit increases after several on-time payments. Occasionally, targeted promotions may include waived annual fees for the first year.

Mobile App For 1st Savings Credit Card

Although there’s no standalone app, you can download the First Savings mobile app via your mobile browser. It lets you manage transactions, check your balance, and make payments.

While some customers wish for a native app, the mobile site functions well for basic tasks. You can also get transaction alerts and payment reminders sent to your phone.

How to Use Credit Responsibly

Whether you’re using the First Savings Card or any other, responsible credit usage is key. Always pay on time, keep your balance low, and don’t max out your card. This builds trust with lenders and improves your credit score.

Using a credit score rebuilding card like this one is a smart first step. Avoid unnecessary purchases, and use your credit limit as a tool not a crutch.

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Finance Calculators

Using finance calculators can help you estimate interest, track your budget, or compare payment plans. These tools are especially useful if you’re managing debt or planning to carry a balance.

First Savings Bank doesn’t offer an in-house calculator, but many third-party sites do. Use them to figure out how long it’ll take to pay off your balance if you’re not paying in full each month.

Costs and Fees

The First Savings Credit Card is known for its annual fee credit card offers, which range from $75 to $175 depending on your offer. The APR can be as high as 29.9%, so carrying a balance gets expensive.

There are no foreign transaction fees or hidden charges, but always read your terms. Late fees and returned payment fees also apply, so budgeting is essential.

Who Should Consider the HUE Mastercard?

The HUE Mastercard is another credit card with no deposit that targets people with poor or limited credit. It offers credit-building features and may come with lower fees than First Savings.

This card might be better for you if you want broader application access rather than waiting for an invitation. Compare the APR and annual fees before deciding.

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How to Make the Most of Your HUE Mastercard

To maximize benefits, use your HUE Mastercard for small, regular purchases and pay them off in full. Set up automatic payments and monitor your score monthly.

Keep credit utilization under 30%, and use spending alerts to stay on track. Responsible use may lead to credit limit increases or offers for better cards down the road.

Get Cheaper Car Insurance in 2025!

Your credit score can impact your auto insurance premiums. Using a card like First Savings or HUE to boost your credit could lower your insurance costs over time.

Many insurers now use credit-based insurance scores. A stronger score = better rates. Shop around and ask about discounts for good credit or safe driving.

General Liability Insurance

If you’re a small business owner, general liability insurance protects against lawsuits and claims. It covers property damage, bodily injury, and more.

Some banks and credit card providers, including First Savings, offer referrals or bundled options with insurance providers. Ask customer service if you need help finding coverage.

Conclusion

The First Savings Credit Card reviews show it’s not for everyone but it works well for its niche. If you’ve got poor credit and receive a pre-approval, this card offers a solid path to rebuilding your financial standing.

Just be mindful of the high APR and annual fees. Used wisely, this card can be a useful financial tool, especially if you need an unsecured credit card to start fresh.

FAQ’s

Which credit card is good for a beginner?

A beginner-friendly credit card should have low fees, easy approval, and help build credit—secured or entry-level unsecured cards are great starting points.

What credit cards are issued by First Savings Bank?

First Savings Bank primarily issues the First Savings Credit Card, an unsecured card aimed at people with poor or limited credit history.

Which bank is best for a first time credit card?

Banks like Capital One, Discover, and First Savings Bank offer beginner-friendly cards with simple terms and credit-building features.

Does the First Savings Credit Card give credit increases?

Yes, credit limit increases may be offered after consistent on-time payments and responsible usage.

Is First Card a good credit card?

The First Savings Credit Card can be a good option for rebuilding credit, but it has high fees and is best suited for those with limited alternatives.