If you are trying to rebuild your credit, there is a very important detail that many people don’t know: applying for the FIT Platinum Mastercard usually does not affect your credit score, because the initial process does not use a hard inquiry that typically lowers your score.
This alone already makes the card interesting, especially for people with low credit scores, negative history, or those trying to start over financially. In practice, this means you can try to get approved without the risk of lowering your score, which is rare in the credit card world.
Additionally, the FIT Platinum is an unsecured credit card, meaning it does not require a security deposit, unlike many cards designed for people with bad credit. Because of this, it has become one of the options used by people who need to rebuild credit and regain access to the financial system.
Requirements to Apply for the FIT Mastercard
Before applying, it is important to understand the basic requirements typically considered for approval.
- Be at least 18 years old
- Have an active bank account
- Have income or regular deposits
- Valid residential address
- Active phone number
- Recommended credit score of 500 or higher to increase approval chances
Applying for the FIT Mastercard with ITIN: Is It Possible?
Yes, it is possible to apply for the FIT Platinum using an ITIN (Individual Taxpayer Identification Number), especially for people who live in the United States but do not have a Social Security Number (SSN).
Since this card is designed for people with limited or poor credit history, the approval process tends to be more flexible and may consider factors beyond the traditional credit score.
What is usually evaluated when applying with ITIN:
- Active U.S. bank account
- Regular deposits or proof of income
- Valid residential address
- Active phone number
- Basic financial stability
This means that even without an SSN, you may still qualify for the card if you can demonstrate consistent financial activity.
Little-Known Hack: Remove Negative Items Before Applying
Before applying for the card, there is a smart strategy you can use:
- Access your credit report platforms
- Identify negative items
- Dispute those items
In many cases:
- Negative items can be removed within 48 to 72 hours
- Your score may increase quickly
👉 Result: you may qualify for a higher credit limit right from the start
Step-by-Step: How to Apply for the FIT Mastercard
- Go to the official website
- Fill out the application form with:
- Full name
- Address
- Financial information
- Bank account information
- Contact information
- Submit the application
- Wait for the review
- If approved, pay the processing fee to activate the credit limit
- Receive the card by mail
- Activate the card and start using it
Increasing Your Income to Speed Up the Process
There is a less common but effective strategy:
Temporary tax withholding adjustment (when applicable)
Requesting a withholding adjustment may increase your take-home income in the short term.
This extra cash flow can be used to:
- Pay off debts
- Reduce credit utilization
- Improve your financial profile
How to Contact The Bank of Missouri
The FIT Platinum is issued by The Bank of Missouri (TBOM).
If you need support, application status, or have questions about your card, you can contact them directly.
📞Phone: 1-888-673-4755
You can call to:
- Check application status
- Ask about fees
- Request a credit limit increase
- Report lost or stolen card
- Get billing information
How to Take the Next Step After Improving Your Credit Score
After a few months of using the FIT Platinum correctly, your next goal should be moving to better credit cards.
When your score reaches around 660 to 680, new opportunities usually become available:
- Cards with lower fees
- Cashback programs
- Higher credit limits
- Lower interest rates
Frequently Asked Questions (FAQ)
What is the minimum credit score to get approved for the FIT Mastercard?
Although it is designed for bad credit, a score of 500 or higher is recommended to increase approval chances. However, some people report approvals starting around 470.
Is the FIT Mastercard a prepaid or secured card?
No. It is an unsecured credit card, meaning you do not need to provide a security deposit.
How long does it take for the credit limit to increase?
If all payments are made on time, your credit limit may double after the first 6 months, potentially reaching up to $3,000 over time.
How does the card help rebuild credit?
The FIT Mastercard reports your payment history to Equifax, Experian, and TransUnion. On-time payments create positive history and increase your credit score over time.
Does it offer miles or cashback?
No. This card is strictly for credit rebuilding and does not offer rewards programs.
What happens if I lose my card?
You are protected by Mastercard Zero Fraud Liability, which means you are not responsible for unauthorized purchases made if your card is lost or stolen.
You will be redirected to an external website.
