Fortiva Credit Card Acceptance Code: If You Have the Code Should You Use It?



Fortiva Credit Card

  • Billed as an unsecured Mastercard targeted at people with subprime credit
  • Comes with $0 fraud liability and an EMV chip to reduce counterfeit risk
  • Apply or learn more at fortivacreditcard com

In order to apply, you must be 18 years of age or older and a legal resident of the United States.

This card is designed for consumers with a not so great credit rating who are looking to make improvements via on-time credit card payments.

If you have a stellar credit score you are on the wrong page and should check out our “best card back credit cards” write up.

If you do have a not so ideal credit score please read on.

Fortiva Card Highlights and Lowlights

  • Reports to all three major bureaus
  • Your credit score will be available in your online account 60 days after your account is opened
  • No security deposit required
  • Annual fee? You bet ya… $49 to $175 for the first year, then $0 to $49 every year thereafter
  • No sign-up bonus – No rewards program
  • $25 one-time program fee when you open an account
  • $60 to $159 annual maintenance fee after the first year (billed at $5.00 to $12.50 per month)

As you can see the Fortiva credit card is loaded with fees.

Fortiva Credit Card Reviews

On top of the lackluster reviews, there are literally dozens of “do not recommend” comments across the web. Here are a few examples:

Do not accept this card. They never reported to the credit bureaus and therefore I had to close my acct. High APR and fees are ridiculous. Totally regret accepting this card. They never send notifications of purchases or payments as stated on their website. Customer service is the worst, they are nasty and don’t care about the customer. I asked to speak to a manager and was told I would get a call but never did. BEWARE!!

This card is essentially a payday loan made of plastic. Please get a secured card if you can’t get prime yet. No rewards for those high fees.” – Blackswizz750

Fortiva Card Servicing Customer Service

  • Address: Fortiva P.O. Box 105555 Atlanta, GA 30348-5555
  • Phone: 1-800-245-7741
  • Fax: Not found
  • Email: Not found

Fortiva Credit Card Login Issues?: Any technical issues that arise when attempting to access a Fortiva credit card account online can be directed to toll-free 1-800-245-7741.

Fortiva credit card Home Depot phone number? Contrary to popular belief there is not a dedicated phone number for Home Depot customers who are using the Fortiva card.

Fortiva Credit Card Credit Line Increase?

If you are lucky enough to already have a Fortiva card and are looking to increase your credit line please contact MyFortiva customer service at 1-800-245-7741.

Increasing your credit line associated with your Fortiva card can help improve your credit score (which is the goal of having this card in the first place).

Please note you should never fear to make a request in a credit line (the worse they can do is say no and no will not hurt your current score).

If you have a Chase credit card read “How to Get a Chase Credit Line Increase” and thank us later when you having more purchasing power.

Fortiva Credit Card Final Verdict

Based on online reviews and research we have decided not to recommend the Fortiva credit card.

The fees associated with the Fortiva card are just too much and too many.

There are much better options out there for consumers looking to rebuild their credit score via on-time credit card payments. Best Credit Cards for Bad Credit?

Credit cards like Fortiva which help consumers with bad credit include…

Fortiva Credit Card Application URL


    • Hey Vicki if you don’t want to activate the Fortiva credit card you can call the toll-free number on the back card to cancel the card (but this could hurt your credit score)… why did you apply and then cancel? (if we may ask 🙂 )


Please enter your comment!
Please enter your name here