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You deserve more credit.

Meet the card that empowers you to build credit. Welcome to the First Phase of your financial future.

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When financial green lights turn red, First Phase is the best place to start.

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Less than perfect credit? No problem. It’s time to take control of tomorrow.

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Imagine where better credit can take you. Get there with the First Phase credit card.

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Your brighter financial future starts here.

  • (Re)Build your credit

    Whether you’re starting or restarting, your future begins today.

  • On-call representative

    It’s more than a credit card. It’s reliable customer service.

  • Zero liability

    With Visa® Zero Liability Policy, you’re covered if your card is ever lost, stolen, or fraudulently used.

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Credit can be confusing. Use our educational center to take command of your finances.

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Picking a credit building card
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How to Spot a Good Credit Building Card

2022-03-02
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© 2022 by CURO Credit, LLC. All Rights Reserved.

First Phase Visa® is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

First Phase reports payment history to the three major credit bureaus so it can help build your credit if used responsibly. Building credit is accomplished by keeping your balance low and paying all your bills on time every month. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and may impact your ability to build credit. First Phase begins credit reporting following your first purchase or cash advance using your card.

Visa Zero Liability policy does not apply to transactions not processed by Visa. Cardholders must use care in protecting their card and notify First Phase immediately of any unauthorized use.

First Phase may make phone calls to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use.

Pay Near Me money transmission services are provided by PayNearMe MT, Inc, a wholly owned subsidiary of Handle Financial, Inc.