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Hey, WalletHubbers! Today, were talking about the First Access Credit Card. If youre looking for a quick overview, there are five things you really need to know about the First Access Card First, the First Access Credit Card is an unsecured card that people with damaged credit can get. In other words, you dont need to place a refundable security deposit to get approved. Second, the First Access Credit Card is very expensive. Theres a program fee that you have to pay before even opening an account. Then, theres an annual fee AND a monthly fee to keep in mind. Third, the First Access Credit Card offers a low credit limit that wont cover too many emergency expenses, especially since the annual fee will be subtracted from your available credit initially. Plus, any balance that you carry from billing period to billing period will rack up interest charges at a REALLY high rate. Fourth, the First Access Credit Card reports to all three major credit bureaus each month. That gives you