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How to start building credit with Firstcard?

It’s easy to start your credit-building journey with Firstcard!

To start building credit with Firstcard:

  1. Sign up for Firstcard
  2. Add money to your Firstcard account
  3. Add Firstcard to your Apple Pay or Google Wallet to use the card virtually and/or order a physical card within the app 
  4. Make sure you turn on Autopay
  5. Make purchases using your Firstcard
  6. We will report your on-time payment to the three major credit bureaus
How does Firstcard work?


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.