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About Us

At First Phase, we provide pathways to financial freedom for people with unestablished or less-than-perfect credit.

Where other doors may be closed, ours are open to you.

With the First Phase credit card, you can chart a new way forward. You can create your own green lights. And you can forge your future.

Let's Go
how to build credit
achieve financial freedom

A credit card might seem like little more than a piece of plastic, it’s a remarkably powerful tool that:

  • Provides flexibility and freedom.
  • Demonstrates how responsibly you manage credit.
  • Creates an environment where you can build credit, and earn positive reports from Consumer Reporting Agencies.

In other words, it enables you to come out stronger on the other side of adversity. It empowers you to do the next thing and achieve the next goal.

And that’s why we provide financial opportunity and hope to all who seek it.

That’s also why we report directly to the three major credit bureaus: to celebrate your success and further your financial future.

But we’re not here to be your “forever” card. We’re here to fuel the next chapter of your future.

Because it’s not just about ten years from now. It’s about tomorrow.

And it’s not just about building credit. It’s about restoring confidence in your future, one small victory at a time.



© 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.

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.